Klarna Investor Presentation Deck
Leading the industry in
putting the consumer first.
Actively managing down late fees
Driven by the growing app usage adoption as
the app helps consumers keep track of their
outstanding payments, giving them greater
control over their personal finances.
Indexed late fees as share of volume. Late
fees are defined as fees that originate from
consumers not paying on time.
100 -
15
2013 2014 2015 2016 2017 2018 2019 2020
Launch of the "Never forget test" (SE)
■ Part of Klarna's overall work to actively manage
down the share of late fees in relation to total
volume.
■ Consumers can get reminder fees back by doing
the "Never forget test", which promotes
responsible spending and gives tips to consumers
on how to pay future invoices on time.
Nollmissionen (SE) - "Mission zero"
■ Our long-term commitment to increase
transparency around customer complaints and
reduce them to zero to ensure 100% happy
customers.
Halved complaints in 2 years from 40 per one
million purchases in 2018 to less than 20 per one
million in 2020.
■ Mission zero will become global in 2021.
5₂₂
Purchases
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Transactions Items
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Bela Hauto
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Brite Electrical
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Paid off: $30 of $120
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June 4
Indoor
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