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Fintech trends: from payment provider to a comprehensive shopping ecosystem for financial services. Klarna and Raisin launch cooperation on deposits.

11 iunie 2020

Two leading European fintechs partner to bring higher interest rates to Germany. Fully digital Klarna overnight and term deposits now live on Raisin’s German platform. Klarna 1-year rate seven times higher than Germany’s average.

Klarna, a global leader in payments and online shopping, has launched a cooperation in Germany with the deposits marketplace Raisin. By partnering with the Berlin-based fintech Klarna is further expanding into the German savings market.

„In a first for Klarna, and available exclusively to Raisin’s customers in Germany (https://www.WeltSparen.de), the new products include an overnight money account with a competitive interest rate of 0.35%. The Klarna deposit products from overnight to terms of up to 48 months are accessible through a completely online process via WeltSparen.”, according to the press release.

Robert Bueninck, Managing Director DACH Klarna: “We’re on an exciting journey from being purely a payment provider to a comprehensive shopping ecosystem. At the same time, we are consistently expanding our banking offerings and are very happy to have Raisin at our side as a partner who – like us – acts in the interests of the end customer. Through our cooperation, we’re enabling our customers to easily build up long-term assets.”

Raisin co-founder and CEO Dr. Tamaz Georgadze: “Klarna’s overnight and term deposit offers are among the best on the market and can be accessed digitally at WeltSparen through an entirely paperless process – a real benefit for our customers. In addition, the business models of Raisin and Klarna complement each other perfectly. Both companies are leading European startups with global ambitions. Today’s market launch in Germany is only the first step for us.

Klarna is one of the world’s leading payment and online shopping providers, as well as a licensed bank. Founded in Sweden in 2005, Klarna enables consumers to make open payments quickly, easily, and securely; immediately, delayed, or in installments. Klarna works with over 205,000 retailers including in Germany and currently employs over 2,700 people in 17 countries.

Klarna is currently the highest valued unlisted fintech in Europe with a company valuation of 5 billion euros. Among the company’s investors are Sequoia Capital, Bestseller Group, Atomico, VISA and Permira. Find further information on Klarna in Germany at www.klarna.de.

Founded in 2012, Raisin is a trailblazer for open banking and the leading pan-European one-stop shop for online savings and investments. Raisin’s marketplace offers simple access at no charge to attractive and guaranteed deposit products from all over Europe, as well as globally diversified, cost-effective ETF portfolios and pension products (currently available in Germany).

Since launch in 2013, Raisin has placed 23 billion EUR for more than 260,000 customers in 28+ European countries and 93 partner banks.

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Anders Olofsson – former Head of Payments Finastra

Banking 4.0 – „how was the experience for you”

So many people are coming here to Bucharest, people that I see and interact on linkedin and now I get the change to meet them in person. It was like being to the Football World Cup but this was the World Cup on linkedin in payments and open banking.”

Many more interesting quotes in the video below:


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?