{"id":4251662,"date":"2020-01-21T12:00:54","date_gmt":"2020-01-21T10:00:54","guid":{"rendered":"https:\/\/www.dept.global\/downloads\/how-klarna-is-revolutionising-online-retail\/"},"modified":"2024-10-11T16:28:09","modified_gmt":"2024-10-11T14:28:09","slug":"how-klarna-is-revolutionising-online-retail","status":"publish","type":"whitepaper","link":"https:\/\/www.dept.global\/en-uki\/downloads\/how-klarna-is-revolutionising-online-retail\/","title":{"rendered":"How Klarna is revolutionising online retail"},"content":{"rendered":"<div class=\"block-whitepaper-detail-panel js-block-whitepaper-detail-panel\">\n\t<div class=\"block-whitepaper-detail-panel__header\">\n\t\t<div\n\t\tclass=\"image-wrap block-whitepaper-detail-panel__featured-image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.dept.global\/wp-content\/uploads\/2021\/03\/Rectangle-387.png\"\n\t\t\t\tclass=\"image block-whitepaper-detail-panel__featured-image\"\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div>\n\n\n\t<div class=block-whitepaper-detail-panel__overlay><\/div><a\tclass=\"cta-button block-whitepaper-detail-panel__back-button cta-button__color--white cta-button__style--back\" href=\"https:\/\/www.dept.global\/all-whitepapers\/\" aria-label=\"Back\" >\n\t<svg width='41' height='41' viewBox='0 0 41 41' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'><circle cx='20.5' cy='20.5' r='19.5' transform='rotate(-90 20.5 20.5)' stroke='var(--dept-button-icon-outline-color)' stroke-width='1.3' stroke-miterlimit='10' fill='none'\/><circle class='icon-backplate' cx='20.5' cy='20.5' r='19.5' transform='rotate(-90 20.5 20.5)' fill='var(--dept-button-icon-backplate-color)' fill-opacity='1'\/><path class='icon-center' d='M21.174 30 11 20.674l10.174-9.326m-9.326 9.328H30.5' stroke='var(--dept-button-icon-color)' stroke-width='1.3' stroke-miterlimit='10' fill='none'\/><\/svg>\n\t\t\t<span>\n\t\t\tBack to all whitepapers\t\t<\/span>\n\t\n<\/a><h1\t\tclass=\"typography block-whitepaper-detail-panel__whitepaper-title typography__color--white typography__size--h1 typography__align--left\"\n\t\t\t>\n\t\tHow Klarna is revolutionising online retail\t<\/h1>\t<\/div>\n\n\t<div class=\"block-whitepaper-detail-panel__cta-container\">\n\t\t<div class=\"block-whitepaper-detail-panel__description\">\n\t\t\t<p\t\tclass=\"typography block-whitepaper-detail-panel__cta-content-title typography__color--white typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tOverview\t<\/p><p\t\tclass=\"typography block-whitepaper-detail-panel__cta-content-text typography__color--bodyOnBlack typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tRetail is undergoing a major transformation, driven by consumers expecting more transparent and flexible payment options. Klarna has entered the buying market at the right time, catering to the change in buying behaviour and unleashing new opportunities for brands to evolve their online service offering.\t<\/p>\t\t<\/div>\n\t\t<div class=\"block-whitepaper-detail-panel__form\">\n\t\t\t<div class=\"pardot-forms block-whitepaper-detail-panel__pardot-forms js-pardot-forms\">\n\t\t<iframe\n\t\tdata-initial-src=\"https:\/\/www2.dept.global\/l\/321011\/2020-01-20\/27w8s7b\"\n\t\tclass=\"pardot-forms__embed block-whitepaper-detail-panel__embed js-pardot-forms-embed\"\n\t\ttype=\"text\/html\"\n\t><\/iframe>\n\t<div class=\"loader pardot-forms__loader loader__color--hanPurple js-pardot-forms-loader\">\n\t<div class=\"loader__first\"><\/div>\n\t<div class=\"loader__second\"><\/div>\n<\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"block-highlighted-item-listing\">\n\t<h2\t\tclass=\"typography block-highlighted-item-listing__title typography__color--onyxGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tMore Insights?\t<\/h2><a\tclass=\"cta-button block-highlighted-item-listing__cta-button cta-button__color--onyxGrey cta-button__style--regular\" href=\"https:\/\/www.dept.global\/en-uki\/all-insights\/\" >\n\t\n\t\t\t<span>\n\t\t\tView all Insights\t\t<\/span>\n\t\n<\/a>\n\t<div class=\"block-highlighted-item-listing__cards\">\n\t\t<a\tclass=\"universal-item-card universal-item-card__type--article universal-item-card--has-link-decoration\"\n\tdata-theme=\"white\"\n\t\t\thref=\"https:\/\/www.dept.global\/en-uki\/insight\/three-data-types-that-actually-predict-customer-decisions\/\"\n\t\t\t\ttitle=\"Three data types that actually predict customer decisions\"\n\t\t>\n\t\t\t<div class=\"universal-item-card__backplate universal-item-card__backplate--with-image\"><\/div>\n\t\n\t<div\n\t\tclass=\"image-wrap universal-item-card__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.dept.global\/wp-content\/uploads\/2026\/08\/Three-data-types_Feature.webp\"\n\t\t\t\tclass=\"image universal-item-card__image\"\n\n\t\t\t\t\t\t\t\talt=\"Three data types that actually predict customer decisions\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><p\t\tclass=\"typography universal-item-card__meta typography__color--darkGrey typography__size--eyebrow-lc typography__align--left\"\n\t\t\t>\n\t\tCOMMERCE&emsp;\u2022&emsp;Yang Song\t<\/p><h3\t\tclass=\"typography universal-item-card__title typography__color--onyxGrey typography__size--h6 typography__align--left\"\n\t\t\t>\n\t\t<span>Three data types that actually predict customer decisions<\/span>\t<\/h3><button\tclass=\"cta-button universal-item-card__btn cta-button__color--onyxGrey cta-button__style--regular has-parent-hover\" >\n\t\n\t\t\t<span>\n\t\t\tRead Article\t\t<\/span>\n\t\n<\/button>\n\t\n\t<\/a><a\tclass=\"universal-item-card universal-item-card__type--article universal-item-card--has-link-decoration\"\n\tdata-theme=\"white\"\n\t\t\thref=\"https:\/\/www.dept.global\/en-uki\/insight\/the-death-of-habitual-renewal-in-insurance\/\"\n\t\t\t\ttitle=\"The death of habitual renewal in insurance\"\n\t\t>\n\t\t\t<div class=\"universal-item-card__backplate universal-item-card__backplate--with-image\"><\/div>\n\t\n\t<div\n\t\tclass=\"image-wrap universal-item-card__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.dept.global\/wp-content\/uploads\/2026\/08\/How-AI-is-changing-the-customer-journey-1920x1080-1.webp\"\n\t\t\t\tclass=\"image universal-item-card__image\"\n\n\t\t\t\t\t\t\t\talt=\"The death of habitual renewal in insurance\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><p\t\tclass=\"typography universal-item-card__meta typography__color--darkGrey typography__size--eyebrow-lc typography__align--left\"\n\t\t\t>\n\t\tCUSTOMER EXPERIENCE&emsp;\u2022&emsp;Amy Chick\t<\/p><h3\t\tclass=\"typography universal-item-card__title typography__color--onyxGrey typography__size--h6 typography__align--left\"\n\t\t\t>\n\t\t<span>The death of habitual renewal in insurance<\/span>\t<\/h3><button\tclass=\"cta-button universal-item-card__btn cta-button__color--onyxGrey cta-button__style--regular has-parent-hover\" >\n\t\n\t\t\t<span>\n\t\t\tRead Article\t\t<\/span>\n\t\n<\/button>\n\t\n\t<\/a><a\tclass=\"universal-item-card universal-item-card__type--article universal-item-card--has-link-decoration\"\n\tdata-theme=\"white\"\n\t\t\thref=\"https:\/\/www.dept.global\/en-uki\/insight\/how-decision-systems-personalize-the-right-content-for-every-customer-at-scale\/\"\n\t\t\t\ttitle=\"How decision systems personalize the right content for every customer at scale\"\n\t\t>\n\t\t\t<div class=\"universal-item-card__backplate universal-item-card__backplate--with-image\"><\/div>\n\t\n\t<div\n\t\tclass=\"image-wrap universal-item-card__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.dept.global\/wp-content\/uploads\/2026\/08\/The-decision-layer-in-content-at-scale-1920x1080-1.png\"\n\t\t\t\tclass=\"image universal-item-card__image\"\n\n\t\t\t\t\t\t\t\talt=\"How decision systems personalize the right content for every customer at scale\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><p\t\tclass=\"typography universal-item-card__meta typography__color--darkGrey typography__size--eyebrow-lc typography__align--left\"\n\t\t\t>\n\t\tBRAND &AMP; MEDIA&emsp;\u2022&emsp;Mitchell Kirkham-Cooper\t<\/p><h3\t\tclass=\"typography universal-item-card__title typography__color--onyxGrey typography__size--h6 typography__align--left\"\n\t\t\t>\n\t\t<span>How decision systems personalize the right content for every customer at scale<\/span>\t<\/h3><button\tclass=\"cta-button universal-item-card__btn cta-button__color--onyxGrey cta-button__style--regular has-parent-hover\" >\n\t\n\t\t\t<span>\n\t\t\tRead Article\t\t<\/span>\n\t\n<\/button>\n\t\n\t<\/a>\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":40,"featured_media":4251644,"template":"","meta":{"_acf_changed":false,"es_utils_meta_schema":"","dept_alt_featured_image":[],"dept_algolia_noindex":false,"dept_algolia_featured":false,"member_job_title":"","member_linkedin_url":"","footnotes":""},"whitepaper-industries":[],"person":[591],"whitepaper-topics":[42504,42505],"class_list":["post-4251662","whitepaper","type-whitepaper","status-publish","has-post-thumbnail","hentry"],"acf":{"dept_is_3q_page":false,"dept_current_cpt_partner":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Klarna is revolutionising online retail - DEPT\u00ae<\/title>\n<meta name=\"description\" content=\"Millennials and Gen Zs are flocking to the buy now and pay later; dive into this longread to discover how Klarna is 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