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Klarna Growth and Market Expansion

25m 20m 15m 10m 5m Klarna app is the single largest volume channel. 40% US share of global app downloads 2020 2021 US APP DOWNLOADS Om Klarna Competitor 1 Competitor 2 Competitor 3 Competitor 4 Top 10 US shopping apps 20212 The Klarna app is now the single largest driver of GMV across the Klarna ecosystem, fuelling growth for Klarna and its retail partners through consumer acquisition and referrals. It is the second fastest-growing app on a downloads basis 5 compared to major global payments peers.1 3X App users purchase frequency vs non-app users AppAnnie, 2021, Apptopia, 2021

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