We cater Financial Services to a different audience than Pink Klarna. For us to better serve our products and customers, we need to be competitive in our own space. Kosma is this space.
do? Three services. One API. PIS Payment Initiation Service. Enabling payments directly from bank accounts. • SEPA credit transfer • SEPA Instant credit transfer • Domestic credit transfer AIS Account Information Service. Get bank account information and retrieve: • A list of bank accounts & details (IBAN and holder name) • Current account balance & limits • Transaction history AcIn Account Insights. Turn bank statements to enriched reports and categorize transactions for: • Personal finance overview • Credit risk analysis • Your financial service 6 Klarna Kosma
wave of Open Banking. • Account Verification during sign up • Direct Debit sign up • Balance Check before arranging test drives • Reconciliation and internal accounting systems • Premium and luxury Subscriptions B2B • Developers Software • Construction Companies • Accounting, Budgeting and Controlling tool • Tax consulting and calculations • Real Time revenue/cost tracking B2C • Tenants management • Check-in experience • Payments Experience (bundled with QR) • Wallet Top-Ups • Lifestyle recommendations Hospitality Real Estate
up • Direct Debit sign up • Balance Check before arranging test drives • Reconciliation and internal accounting systems • Premium and luxury Subscriptions
• Construction Companies • Accounting, Budgeting and Controlling tool • Tax consulting and calculations • Real Time revenue/cost tracking B2C • Tenants management
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