Rising Stars - Presentation by Niklas Adalberth, Founder & Deputy CEO of Klarna at the NOAH 2012 Conference in London, Old Billingsgate on the 6th of November 2012.

1. Safe and Simple payments online
Niklas Adalberth – Founder and Deputy CEO

2. Shopping today – Simple and Safe
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3. Shopping online – not the same experience
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4. Selling online is hard for merchants
Customer
Issuing bank
Payment Stack
Credit scoring
E-wallets
Tech Standard brand
Payment gateways
Fraud prevention
Acquirer
Merchant
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5. How do customers want to pay online?
Example: German Market
Source: CINT / Opinionhub 2012
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6. The Klarna Solution – separate buying and paying
1. No registration: only enter name, address and date-of-birth
2. Get the goods before you
pay
Why Is Klarna good for
merchants?
• 20% increase in converstion
rates
• Guarateed payment 3. Simple payment 14 days
• No administration later
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7. The Early Years
5 Days va
cation firs
years t2
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8. Company Timeline
Incorporated Feb 2005, launch beta May 2005
Profitable since Q4 2005
Total Payments Volume 2011: > EUR 1 bn
Revenue (MEUR): 2011: 84, 2012E: 170
Quarterly Revenues (MEUR) Analyz'd
20 acquired
18 Klarna
Save
16 launched
Israeli
14 office
Norway, Germany
opened
12 and the
Financing Netherlands
10 product 700
launched employe
8 CDON onboard Adlibris es
First 1 000 onboard
6 100 000
transaction merchants Finland and
consumers
offering Denmark Mobile
4 have used
Klarna product
Klarna
2 launched
0 Company
2005 founded 2006 2007 2008 2009 2010 2011
£’000
y/e
2009
2010
2011
Revenue
18 509 33 772 65 816
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Opera3ng
Profit
3 561 3 096 5 535 8

9. The Future
Buying should be like this:
Niklas@klarna.com
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