Klarna is one of the fastest growing consumer ecosystems in the world. We are a leading global retail bank, payments, and shopping service that helps consumers save time and money and empowers them to be informed and in control of their finances through sustainable payments. The Klarna app, now available in 18 markets, powers the whole shopping experience, empowering consumers to take control of their personal finances and shopping experience. It provides consumers with an overview of their finances and spending insights, purchase information, wishlist capability, deals and price drop notifications, friendly reminder push notifications, 24/7 customer service through chat, the option to snooze payments, delivery tracking, and return reporting. The in-app shopping feature makes it possible to use Klarna at all online retail partners who have not yet integrated with Klarna’s powerful platform. Klarna is also increasingly available in physical stores across markets and through the Klarna card. Together our products and services build the ‘Klarna everywhere’ concept, enabling consumers to choose how, where, and when to shop, pay, and bank – all through Klarna.