The AI Record
While we continue to utilize well-established ML techniques in our underwriting processes, we do not use generative AI for credit underwriting.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025

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How this was checked

Checked against the source by a first reader, then confirmed independently by a second reader who fetched the source without seeing the first reader's notes (Independent review agent (Claude Sonnet), blind second pass from passage text and citation only, no repository access, 2026-10-31).

The sentence matches exactly in the Klarna 10-K, which is the company's own filing.

How to cite this passage

Klarna, “SEC filing (the company's own regulatory report)”, SEC filing (the company's own regulatory report), 2026-02-26. https://www.sec.gov/Archives/edgar/data/2003292/000200329226000007/klar-20251231.htm Archived at https://the-ai-record.com/passages/klarna-while-continue-utilize-well-established-ml-techniques-2026

More from the same source

Our AI assistant has handled 80% of customer service chats in the year ended December 31, 2025 (according to our service chat log data)

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), furnished on Form 6-K, SEC filing (the company's own regulatory report), furnished on Form 6-K, February 26, 2026.

  • 80% support ai resolution share, year ended 2025-12-31. Level not stated

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Our average annual revenue per employee at period end has increased from approximately $344,000 in 2022 to approximately $1,240,000 in the year ended December 31, 2025.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

  • $344,000 revenue per employee, FY2022

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

We decreased spending on external marketing suppliers, such as translation, production, CRM and social agencies, by $7 million in the first quarter of 2024 (as compared to the first quarter of 2023) and we attribute 37% of this decrease to the use of AI

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

At the same time, appreciating that certain consumers may nevertheless prefer to interact with human representatives, we continue to offer all of our customers that option.

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

Since launch, our AI assistant has had 31 million conversations, handling 80% of customer service chats in the year ended December 31, 2025

KlarnaPublished by the organization itself (regulatory filing), no named author

Regulatory filing: SEC filing (the company's own regulatory report), SEC filing (the company's own regulatory report), February 26, 2026.

  • 31 million support ai volume, cumulative since launch (February 2024), to 2025-12-31. Level not stated

Checked against the source [ Grade A ] Said in the last year Klarna: $3.5 billion revenue, FY2025 Passage page

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