2018
Så grundades Klarna
Historien bakom klarna och framtiden. Klarna startades i Stockholm år 2005 och hade som målsättning att göra det mycket enklare för människor att handla på nätet.
Grundarna
De tre grundarna Sebastian Siemiatkowski, Niklas Adalberth och Viktor Jacobsson deltog under 2005 i en entreprenörstävling på Handelshögskolan i Stockholm med en idé om hur man kan göra själva näthandeln säkrare. Bidraget hamnade bland de allra sista i tävlingen och man kunde tro att detta var slutet på idén. Skaparna av Klarna gav sig dock inte, de visste att de satt på ett bra koncept och grundade ett företag som de kallade Kreditor Europa. Under 2007 gick ett investmentbolag in i företaget och under 2008 började de sälja sina tjänster i de nordiska länderna. Under 2009 bytte företaget namn från Kreditor Europa till Klarna. Under 2010 listades Klarna som ett av de snabbast växande företaget i Sverige av tidningen ”dagens industri”. Grundarna till Klarna framhäver att de vill att betalningar på nätet ska vara så enkla, säkra och så smidiga son möjligt och själva processen av att handla med att klarna innefattar att konsumenterna först får varan och betalar i efterhand. Klarna tar, med viss reservation såklart, all kredit och bedrägeririsk så att säljaren också kan känna sig trygg. Klarna har idag mer än 1500 medarbetare och används idag av över 60 miljoner konsumenter, klarna används i cirka 90 000 olika butiker och finns i ungefär 14 stycken olika länder. Under ett par år var företaget hårt granskat av konsumentverket, då det hade strömmat in klagomål ifrån olika privatpersoner. Bland annat fanns det kritik mot Klarna med att deras fakturor kändes otydligt formulerade. Många kunder kände sig därför lurade i att betala mer än de hade tänkt och åkte samtidigt på en väldigt hög ränta. Ärendet är numera nedlagt hos konsumentombudsmannen då klarna gjort de förbättringar och förtydliganden på sina fakturor som myndigheten krävt.
Klarna Group och Sofort
Klarna gick under 2014 ihop med Sofort GmbH och den tyska konkurrenten BillPay under 2017, företagen arbetar nu tillsammans sida vid sida. Efter 20 års väntan har Klarna också sedan år 2017 fått igenom ett banktillstånd ifrån finansinspektionen, de bytte därmed också namn till Klarna bank men använder fortfarande namnet Klarna på marknaden. Klarna bank vill kunna utmana de stora bankerna och har också planer på att lansera ett eget kreditkort, uppgifterna blev nyligen bekräftade av Klarna och man kan redan nu ansöka om kreditkortet som lanseras tillsammans med VISA. Andra planer är att man som kund hos klarna bank ska kunna öppna lönekonto med dem. Grundarna hoppas kunna utvidga den europeiska marknaden till att också innefatta den amerikanska i framtiden. En av grundandarna Niklas Adalberth klev av styrelsen under 2016 för att satsa på sin icke vinstdrivande stiftelse, Norrsken. Norrsken har som syfte att stödja olika företag och organisationer som bedöms kunna ha en positiv inverkan på vårt samhälle. Niklas Adalberth efterträds av kunniga Niklas Savander. Under 2017 omsatte Klarna cirka 4.5 miljarder kronor, det innefattar en nettovinst på ca 350 Mkr.

Fantastic website. A lot of useful info here. I am sending it to some friends ans also sharing in delicious. And naturally, thanks on your effort!
Some really excellent info , Gladiola I discovered this. “Never put off until tomorrow what you can do the day after tomorrow.” by Mark Twain.
I really like your writing style, excellent info, thanks for posting :D. “Freedom is the emancipation from the arbitrary rule of other men.” by Mortimer Adler.
Outstanding post, I think blog owners should larn a lot from this website its rattling user pleasant.
Perfectly composed content material, Really enjoyed reading.
We’re a group of volunteers and opening a brand new scheme in our community. Your web site offered us with helpful info to paintings on. You have performed a formidable activity and our whole community will probably be thankful to you.
I love your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you?
Plz respond as I’m looking to create my own blog and would like to find
out where u got this from. thank you
Yay google is my world beater helped me to find this great site!
Take a look at my website; https://www.incubateur.artpartage.ca/The_Ketogenic_Diet_And_Bodybuilding
I feel that is among the most important information for me.
And i’m glad studying your article. But wanna commentary on few general things,
The web site style is perfect, the articles is in point of fact nice :D.
Good process, cheers.
my page – Keto Slim Cuts Ingredients
Very good information. Lucky me I recently found your website by accident (stumbleupon).
I have bookmarked it for later!
Good day! This is my 1st comment here so I just wanted to give a quick shout out and say I truly enjoy reading your posts. Can you recommend any other blogs/websites/forums that go over the same subjects? Thanks a lot!
May I just say what a comfort to uncover someone who truly knows
what they’re talking about on the internet. You definitely know how to bring an issue to light and
make it important. A lot more people really need to read this
and understand this side of your story. I can’t believe you aren’t more
popular because you certainly possess the gift.
Thanks a lot. I enjoy it!
Best Esseay writing
paper writing https://admissionessaywritingservice.com
Thanks a lot, I appreciate this!
Best Essay writing
buy essays online https://ordertermpaper.com
Thank you! Very good information.
Best Essaqy writing
essay writer https://allbestessaywritingservice.com
Terrrific postings, Withh thanks!
Best Essay writing
buy your essay https://buyessayonlineforcheap.com
Thank you, Agood amount of info!
Bestt Essay writing
buy an essay online cheap https://buyanessayonlinecheap.com
Regards, I like this.
Best Essay writing
write me an essay https://cheapessaywritingserviceusa.com
Appreciate it. An abundance of forum posts.
Best Essay writing
buy essay papers cheap https://buyingtermpaper.com
Regards, Great stuff.
Best Essay writing
buy essay online for cheap https://cheapessaywritinghelp.com
Nicely put. Appreciate it.
Best Essay writing
write my essay cheap https://buyessaysearch.com
Excellent beat ! I would like to apprentice while you amend your site, how can i subscribe
for a blog site? The account aided me a acceptable deal.
I had been tiny bit acquainted of this your broadcast provided
bright clear idea
Your style is so unique compared to many other people. Thank you for publishing when you have the opportunity,Guess I will just make this bookmarked.2
Outstanding post, you have pointed out some fantastic points, I besides believe this is a very superb website.
Here is my blog; Super Keto Max Review
Excellent weblog here! Additionally your site lots up very fast!
What web host are you the usage of? Can I am getting your
affiliate link to your host? I want my site loaded up as quickly as yours lol.
My blog … Go on
Excellent site. A lot of helpful info here. I am sending it to some pals ans additionally sharing in delicious.
And obviously, thanks on your effort!
my web site … https://ads.wealthxo.com/user/profile/170874
Wow, that’s what I was searching for, what a information! existing here at this blog,
thanks admin of this web site.
Have a look at my blog post – Grown N Flow Biotin Gummies
Hi there just wanted to give you a quick heads up.
The words in your article seem to be running off the screen in Firefox.
I’m not sure if this is a format issue or something to
do with web browser compatibility but I figured I’d post to let you know.
The style and design look great though! Hope you get the problem resolved soon. Kudos
my web blog: https://freeadstar.com/user/profile/29763
Aw, this was a really good post. Taking a few minutes
and actual effort to produce a top notch article? but what
can I say? I hesitate a whole lot and don’t seem to get anything done.
Visit my web blog: https://fitnessketo.net/
Hi! I could have sworn I’ve been to this site before but after browsing through some of the post I realized
it’s new to me. Anyhow, I’m definitely delighted I found it and I’ll be bookmarking and checking back frequently!
Have a look at my web site – Grown N Flow Reviews
Good article. I will be facing many of these issues as well..
My web site … Unique Keto Choice
I would like to thank you for the efforts you have put in writing
this blog. I am hoping the same high-grade blog post from
you in the upcoming as well. Actually your creative writing skills has encouraged me
to get my own web site now. Actually the blogging is spreading its wings fast.
Your write up is a great example of it.
Feel free to visit my page – http://flowmaleenhancement.com/
Informative article, exactly what I needed.
Here is my site … Grown N Flow Review
I’d always want to be update on new content
on this internet site, bookmarked!
My webpage :: https://runing.co.uk/forums/users/laynewolinski/
What’s Taking place i am new to this, I stumbled upon this I have discovered It
positively useful and it has aided me out loads. I
hope to contribute & aid different customers like
its helped me. Good job.
Here is my site https://trainingteachers.org.za/groups/lose-fat-keep-lean-muscle-size-1838980266/
Truly no matter if someone doesn’t be aware of afterward its up to other
visitors that they will assist, so here it takes place.
Feel free to visit my homepage; Vita Grow XL Reviews
Hello.This article was extremely interesting, particularly because I was searching
for thoughts on this topic last Wednesday.
My web page … Green Healing CBD Reviews
Hey there this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors
or if you have to manually code with HTML. I’m starting a blog
soon but have no coding expertise so I wanted to get advice from someone with experience.
Any help would be greatly appreciated!
Visit my website :: https://purespectracbd.com/
You need to be a part of a contest for one of the most useful sites online.
I am going to recommend this blog!
Also visit my site: Fitness Keto Pills Reviews
Hello, this weekend is good in favor of me, for the reason that this time i am reading this enormous
educational article here at my house.
Here is my blog post … https://ketoslimcuts.net/
Thanks so much regarding giving my family an update on this subject matter on your site.
Please know that if a completely new post
becomes available or in case any modifications occur on the current publication, I would be thinking about reading a lot more and knowing
how to make good usage of those techniques you talk about.
Thanks for your time and consideration of other individuals by making this website
available.
Here is my web-site: https://freeglobalclassifiedad.com/user/profile/6206
I am extremely impressed with your writing skills and also with the layout on your weblog.
Is this a paid theme or did you customize it yourself?
Either way keep up the excellent quality writing, it is rare to see a nice blog like this one these days.
I admire your piece of work, regards for all the interesting posts.
I’m still learning from you, but I’m trying to reach my goals. I certainly liked reading everything that is written on your website.Keep the stories coming. I liked it!
Howdy! Do you know if they make any plugins to safeguard against hackers?
I’m kinda paranoid about losing everything I’ve worked hard on.
Any suggestions?
Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something.
I think that you can do with some pics to
drive the message home a bit, but other than that, this is great blog.
An excellent read. I will definitely be back.
This site truly has all of the information and facts I wanted about this subject and didn’t know who to ask.
I know this web site provides quality depending posts and extra stuff,
is there any other site which provides such things in quality?
Everything is very open with a very clear explanation of the
challenges. It was truly informative. Your site is very useful.
Thank you for sharing!
Thanks for every other magnificent post. The place else may
anybody get that kind of information in such an ideal means
of writing? I’ve a presentation next week, and I am on the
search for such information.
After I initially left a comment I appear to have clicked the -Notify me when new
comments are added- checkbox and from now on every time a comment
is added I receive 4 emails with the exact same comment.
There has to be an easy method you are able to remove me from that service?
Kudos!
Hi my friend! I want to say that this post is amazing, nice written and include approximately all important infos. I would like to see more posts like this.
I am lucky that I detected this site, exactly the right info that I was searching for! .
I enjoy the efforts you have put in this, thankyou for all the great blog posts.
As I website possessor I believe the articles here is real superb, regards for your efforts.
You come across a bit out of touch-you ought to add more examples?
My brother suggested I might like this website. He was totally right.
This post truly made my day. You cann’t imagine
just how much time I had spent for this info! Thanks!
Hi! I’ve been reading your web site for quite some time now lastly got the courage to just
give you a shout out of Austin Tx! Just planned to tell
you continue the excellent work!
Also visit my blog post … SantoOAmparo
I really like your writing style, excellent information, thank you for posting :D. “Faith is a continuation of reason.” by William Adams.