1 Klarna Kosma: How making sense of Open Banking data can power your business Daria Berdnikova Open Banking Lead - DACH & CEE 

Klarna Kosma Open Banking By Klarna Klarna Kosma Open Banking By Klarna Let’s aim to answer these today… 1. Who and what is Klarna Kosma? 2. What is Open Banking? 3. Which industries can benefit from Open Banking 

3 Why are we a separate brand from Klarna? Simple. 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. 

Kosma timeline. Sofort is live 2005 2010 2014 2022 🚀 2020 2021 Klarna acquires SOFORT. Sofort becomes leader in DACH Klarna starts using Open Banking for their own KYC. Covid 19 boosts Online Payments. 🚀 

5 How the industry is shaping the local ecommerce payment preferences 

Klarna Kosma Open Banking By Klarna What can Open Banking 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 

Klarna Kosma Open Banking By Klarna Klarna Kosma 

Klarna Kosma Open Banking By Klarna Your growth partner. +15,000 More than 15,000 banks offering the biggest bank coverage in the Industry +27 Markets live 

Business Management. Multi Banking. Risk Management. Sofort Bank Transfer. Account Verification. Categorization. Bank Transfers. Bank Connectivity. Fraud Reduction. Identity Verification. Use Cases 

10 Gaming. Open Banking. WealthTech. PFM. PSP. Fintechs. Insurtech. Banking. 1st wave industries. 

11 Mobility Quick Commerce & Lifestyle apps Real Estate Next 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 

12 Open Banking for Mobility ● Account Verification during sign up ● Direct Debit sign up ● Balance Check before arranging test drives ● Reconciliation and internal accounting systems ● Premium and luxury Subscriptions 

13 Open Banking for Real Estate B2B ● Developers Software ● Construction Companies ● Accounting, Budgeting and Controlling tool ● Tax consulting and calculations ● Real Time revenue/cost tracking B2C ● Tenants management 

14 Open Banking for Hospitality ● Check-in experience ● Payments Experience (bundled with QR) 

15 Open Banking for Q-Commerce ● Wallet Top-Ups ● Lifestyle recommendations