Klarna Open Banking

Account Insights.

Turn simple bank account data into unique insights.

Build data driven financial products and exciting customer experiences with Account Insights. The data is here (siting in every bank account), you just need to make sense out of them.

1.5M

We categorize 1.5M transactions every day .

>90%

We achieve more than 90% accuracy on categorization.

Experience Simplicity With Clean Categorization.

Data is only valuable if you understand how to use it. Account Insights simplifies row after row of bank account data into over 240 categories to provide meaningful consumer banking analytics. Once a Klarna Open Banking partner has connected to a bank via PSD2, we use Account Insights to:

Transaction history.

Read the bank account transaction history using Open Banking PSD2 API.

Categorization.

Sort transactions into easy-to-read categories and enrich the data by finding relationships across categories.

Financial Insights.

Deliver actionable insights and powerful reports to boost your business and your customer satisfaction.

Much More Than Reporting.

Dig a layer deeper and generate highly-usable insights to shape consumer experiences.

While traditional financial reporting is important to make sense of large data sets, Account Insights uncovers the full potential of Open Banking data by helping TPPs understand their customers and tailor their offerings to deliver hyper-personalized experiences.

Insights provides financial visibility for both TPPs and consumers — promoting a fair and transparent end-to-end process.

One Tool, Thousands Of Applications.

Whether you want to help customers with personal finance management, provide detailed analytics to support budgeting, reduce your environmental footprint with a paperless loan service or improve financial access with real-time credit assessments, we’ve got you covered.

Insurance Check.

Insurance businesses can identify relevant spending patterns and create customized offerings for their existing and new customers.

Personalised Insights.

Provide personalised insights through notifications. Prompt customers to save or invest, provide tips to stay on budget, alert of any suspicious transactions.

Risk Profile.

Leverage real-time insights to assess the financial risk of an individual. Data analytics provide fair and up-to-date reporting contrary to the error-prone outdated info.

Insurance Check.

Insurance businesses can identify relevant spending patterns and create customized offerings for their existing and new customers.

Personalised Insights.

Provide personalised insights through notifications. Prompt customers to save or invest, provide tips to stay on budget, alert of any suspicious transactions.

Risk Profile.

Leverage real-time insights to assess the financial risk of an individual. Data analytics provide fair and up-to-date reporting contrary to the error-prone outdated info.

Personal Finance Management.

Categorize and visualize bank account data like expenses, savings, investments and loans. Help customers monitor progress and set goals.

Ready to build and scale your Financial Application the Klarna way?

Check out our documentation

Why Klarna.

More reach than the rest.

Nobody can match our coverage across Europe.

More experience.

We’ve been connecting banks since 2005, long before PSD2.

More transactions.

With more than 150 million PIS transactions a year, nobody else comes close.

More delight.

Our frontend design gives you superior conversion, fast.

More brand flexibility.

Already got your bank licence? With our white label solution, build on top of our API and customize to fit your brand.

More easy.

Simple integration, maintenance and documentation in a fully-specced development and testing environment.