Case Study: Klarna achieves global collections scalability with InDebted

How Klarna integrates with InDebted as their preferred collections agency in multiple markets

Klarna, a global fintech and payments leader with over 150 million customers, faced a challenge in scaling its debt collections operations across its 45 international markets. They needed a partner that could handle complex regulatory landscapes and deliver consistent performance worldwide. To address this, Klarna partnered with InDebted and implemented its Collect product.

The solution involved a real-time API integration for automatic account referrals and a platform designed for multi-market compliance. InDebted used machine learning to personalize customer communication, which drove strong results including a 63.9% open rate and a 43.4% conversion rate. The partnership with InDebted saved Klarna significant time and cost by eliminating the need for multiple regional suppliers and became a key part of their global strategy.

Klarna

Jan Hansson

Vice President