E-Commerce growth. M: $39 bn M: $286 bn G: 12% CAGR G: 8% CAGR. M: $296 bn G: 19% CAGR. M: $365 bn G: 12% CAGR. R: $405 mn R: $2,982 mn.

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2 Shrt Klarna facts

3 E-Cmmerce grwth M: $365 bn G: 12% CAGR R: $3,810 mn M: $39 bn M: $286 bn G: 12% CAGR G: 8% CAGR R: $405 mn R: $2,982 mn M: $296 bn G: 19% CAGR R: $3,091 mn M: $4.8 bn G: 13% CAGR M: $40 bn G: 15% CAGR R: $417 mn R: $50 mn M: $11 bn G: 13% CAGR R: $113 mn 3 Data frm Eurmnitr Internatinal (2013)

4 Klarna s universe (as f tday): sme f the mst interesting markets fr e-cmmerce glbally Sweden Nrway Denmark Finland Market size 7.2 B Market size 7.9 B Market size 7.4 B Market size 5.4 B E-cmm 74% E-cmm 76% E-cmm 73% E-cmm 65% Bradband 87% Bradband 86% Bradband 85% Bradband 85% UK Germany The Netherlands Austria Market size 96.2 B Market size 50.0 B Market size 9.8 B Market size 9.8 B E-cmm 73% E-cmm 65% E-cmm 70% E-cmm 48% Bradband 86% Bradband 82% Bradband 84% Bradband 77% Surces: Ecmmerce Eurpe 2013, Eurstat 2012, GFK, PstNrd 2012, Dibs 2012

5 Helping ur 15k+ merchants grw with data driven decisins 30% 20% 10% 0% Demgraphics < % 10% 0% Purchase weekday 25% 20% 15% 10% 5% 0% Purchase time Entertainment Electrnics Clthing & Shes Leisure, Sprt & Hbby Hme & Garden Health & Beauty Autmtive Prducts Intangible prducts Children Prducts Fd & Beverage Jewelry & Accessries Surces: Klarna MI, Demgraphics fr Swedish cnsumers, purchase weekday fr German clthing cnsumers, time fr all categries fr all cuntries

6 The nline payment prcess is brken 100 peple prceed t the checkut But nly 33 cmplete the checkut prcess And nly 3 if they visit n mbile

7 Shipping address Card hlder s name Mbile number Cntact address T shp nline tday Firstname lastname Lg in Persnal number Card number Sign up Age CVC Passwrd State Address PO number Cuntry City

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9 Instant nline credit Or as sexy as it cmes: INVOICE

10 Invice preference per cuntry Germany Hw wuld yu like t pay when shpping nline? Surce: Cint / OpininHUB 2012 Austria Hw wuld yu like t pay when shpping nline? Surce: GFK % 27% 8% 7% 2% 1% 49% 25% 16% 7% 3% Invice after delivery Paypal Direct bank transfer Credit card Part payment Other Invice after Credit card Paypal Other Direct bank delivery transfer The Netherlands Hw wuld yu like t pay when shpping nline? Surce: TNS NIPO The Netherlands The Nrdic cuntries Hw wuld yu like t pay when shpping nline? Surce: Psten Nrden E-handel i Nrden 2011 (Sweden, Nrway and Finland) 45% 33% 9% 8% 5% 34% 29% 24% 10% 3% ideal Invice after delivery Other Credit card Paypal Invice after delivery Direct bank transfer Credit card Cash n delivery Other

11 Why invice?

12 Checkut abandn rate is a huge prblem But why d peple drp ut? Q: Hw ften have yu terminated a purchase n the Internet due t the fllwing? I was nt able t pay the way i prefer 71% I did nt feel safe 69% There were sme technical issues in the checkut 59% There were t many steps in the payment prcess 54% I was asked t enter sensitive data 46% I did nt have my credit card details available 17% 12 Lack f safety Lack f preferred payment methds (Only 60% f Eurpeans have VISA/Mastercard) T much frictin

13 hwever mbile is the final frntier in nline shpping Buy when yu want 20% e-cmmerce traffic thrugh mbile in x 10 bn increase in mbile cmmerce by 2016 number f smartphnes wrldwide by 2016 Buying n mbile desn t have t be cmplicated Mbile traffic are increasingly pushing alternative payment methds, since cards simply d nt cnvert n the phne 13

14 Is brwsing really all users want? Hard facts: Mbile traffic bms, but still very few buy stuff Why is that? It is mre r less an accepted fact that users nly want t brwse gds We have always felt, and nw we knw, that is nt true Users lve t buy stuff n their phnes, we just have t make it easier

15 Welcme t jin the true Mbile Revlutin Implementing Invice, using nly tp f mind inf will dramatically increase cnversin and sales in the mbile channel And with Klarna Checkut, custmers nly need t prvide their address and pstcde t cmplete a purchase. This simplicity minimizes the risk f cart abandnment and bsts cnversin in the mbile channel t the same level as desktp!!

16 Cnversin Mbile vs Desktp 25 % 58,66 % 59,02 %

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