Klarna Kosma

Klarna Kosma Insights API

Kosma Insights turns raw Open Banking transaction data into categorised spend, income, and affordability signals. Insights covers 200+ spend categories and surfaces income streams, recurring outflows, and account-holder cash-flow patterns. It is the AIS-derived data product behind Klarna BNPL underwriting and the same product Kosma offers externally to lenders, fintechs, and merchants for ID verification, income verification, and risk decisioning.

GitHub

Documentation

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Documentation
https://docs.openbanking.klarna.com/acin/quick-start-insights.html

API entry from apis.yml

apis.yml Raw ↑ 
aid: klarna-kosma:klarna-kosma-insights-api
name: Klarna Kosma Insights API
tags:
- Open Banking
- Categorization
- Insights
- Income Verification
- Affordability
humanURL: https://docs.openbanking.klarna.com/acin/quick-start-insights.html
baseURL: https://api.openbanking.klarna.com
properties:
- url: https://docs.openbanking.klarna.com/acin/quick-start-insights.html
  type: Documentation
description: Kosma Insights turns raw Open Banking transaction data into categorised spend, income, and
  affordability signals. Insights covers 200+ spend categories and surfaces income streams, recurring
  outflows, and account-holder cash-flow patterns. It is the AIS-derived data product behind Klarna BNPL
  underwriting and the same product Kosma offers externally to lenders, fintechs, and merchants for ID
  verification, income verification, and risk decisioning.