Tools and Practices Enabling Growth – Erik Zeitler, Klarna

Klarna provides instant consumer credit at the point of sale, and allows flexible credit lines after purchase. Credit is issued using Klarna’s Checkout product, which is integrated with almost 100’000 merchants on many markets. Credit and fraud assessments are made automatically several times per second on many markets. It is mission critical for Klarna that all required data is available at all times. Furthermore, it is important that all decisions are traceable. Finally, we must facilitate engineer and analyst productivity.


  • The immutability and re-computation properties of the Lambda/Kappa architectures
  • Tools to empower producers and consumers of data to be accountable and self-sufficient
  • How we proactively improve efficiency of our data users

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