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Ever ambition you didn’t accept to whip out your acclaim agenda every time you adjustment article online? Now you ability not accept to. 

Klarna, a Swedish e-commerce company, afresh accustomed in the United States. Clashing agnate casework such as PayPal or Stripe, Klarna allows you to pay for items by entering in your email address, your aircraft address, and your buzz number—no bulky acclaim agenda numbers or log-ins necessary. In turn, Klarna uses accessible and clandestine abstracts to adjudge whether or not to extend you credit. If you’re approved, you’re beatific a acceptance email for your acquirement and accustomed two weeks to pay the bill. So far, about 10 American online retailers, including Overstock.com and men’s accoutrement website Chubbies, use Klarna as a checkout service.

Klarna badly simplifies the purchasing process, abnormally for bodies application adaptable phones. It’s additionally advantageous for bodies who don’t generally backpack acclaim cards. And clashing smartphone-based programs, Klarna can be acclimated on computers as able-bodied as adaptable devices. Its versatility has paid off: Wired letters that Klarna drives about 10 percent of e-commerce in Northern Europe, including added than 30 percent in Sweden. And according to Fortune, Klarna has acquired 52 actor users back its barrage in 2005.

Is Klarna the future of e-commerce? The jury’s still out, acknowledgment to a assembly of angry competitors. However, it’s arresting to brainstorm a apple in which we can buy an account online, from our desktop or our phone, with a few simple keystrokes—no wallets or artificial necessary.

[h/t Wired]

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