{"id":908,"date":"2026-07-06T20:14:32","date_gmt":"2026-07-06T20:14:32","guid":{"rendered":"https:\/\/interstatemovingexpertss.com\/?p=908"},"modified":"2026-07-06T20:14:32","modified_gmt":"2026-07-06T20:14:32","slug":"klarna-seeks-u-s-bank-charter-in-latest-push-beyond-buy-now-pay-later","status":"publish","type":"post","link":"https:\/\/interstatemovingexpertss.com\/?p=908","title":{"rendered":"Klarna seeks U.S. bank charter in latest push beyond buy now, pay later"},"content":{"rendered":"<div>\n<div>\n<div>\n<div>\n<p>In this article<\/p>\n<\/div>\n<ul>\n<li><span>KLAR<\/span><span><button><\/button><\/span><\/li>\n<\/ul>\n<\/div>\n<div><button><span><span>Follow your favorite stocks<\/span><span>CREATE FREE ACCOUNT<\/span><\/span><\/button><\/div>\n<\/div>\n<div>\n<p><span>Klarna<span><span><button><\/button><\/span><\/span><\/span>, the Swedish fintech firm best known for its buy now, pay later offerings, said Monday it applied to federal and state regulators to establish a U.S. bank subsidiary.<\/p>\n<p>Read more <a href=\"https:\/\/interstatemovingexpertss.com\/?p=906\">Platner Senate campaign taking \u2018time to reflect\u2019 on path forward after sexual assault allegation<\/a><\/p>\n<p>The firm said that, if approved, Klarna Bank USA would be a Federal Deposit Insurance Corp.-backed institution chartered in Utah. The proposed bank would be led by Gary Harding, former CEO of Milestone Bank and Prime Alliance Bank, according to Klarna.<\/p>\n<p>&#8220;We&#8217;ve seen firsthand the appetite for a fairer, more transparent approach in the U.S., and our own banking license is the natural next step,&#8221; said Sebastian Siemiatkowski, co-founder and CEO of Klarna.<\/p>\n<p>The move will give &#8220;customers tools to borrow responsibly and build financial confidence, while bringing greater competition, innovation, and choice&#8221; to the market, he said. <\/p>\n<p>Klarna&#8217;s application is the latest sign that fintech firms, which mostly partner with U.S. banks to offer services, now see owning their own charters as a key advantage. In April, fintech provider Mercury said it won conditional approval to establish its own bank, joining a wave of fintech and crypto firms seeking entry to the traditional banking system.<\/p>\n<p>Read more <a href=\"https:\/\/interstatemovingexpertss.com\/?p=904\">Record heat, crowds drive offseason boom in international travel<\/a><\/p>\n<p>Klarna said that its charter, if approved, would let it bring its banking operations in-house and strengthen reliability across payments, credit and merchant services.<\/p>\n<p>The application marks Klarna&#8217;s latest step toward becoming a broader consumer bank rather than just a buy now, pay later provider. Last month, Klarna introduced high-yield savings accounts to U.S. customers, though its partner WebBank holds those accounts.\u00a0<\/p>\n<p>By owning a bank, fintech firms can fund loans with their own customer deposits instead of more expensive wholesale financing, directly offer checking accounts and credit cards and rely less on third-party banking partners.<\/p>\n<p>Klarna, which went public last September, is trading for about half of its initial public offering price of $40.  <\/p>\n<p>Read more <a href=\"https:\/\/interstatemovingexpertss.com\/?p=901\">Trump defends Balogun review call: \u2018It wasn\u2019t a foul\u2019<\/a><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Klarna joins a wave of fintech and crypto firms seeking entry to the traditional banking system.<\/p>\n","protected":false},"author":1,"featured_media":907,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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