Startups Directory

Klarna is a buy-now-pay-later (BNPL) platform that enables customers to split purchases into interest-free installments or pay within 30 days, while merchants get paid upfront. The platform serves e-commerce retailers globally and offers additional features like price comparison, cashback rewards, and price tracking. Klarna differentiates itself by not charging late fees on its popular 4-installment payment method and has integrated with 24 of the top 100 US retailers, more than any competitor.

Swiftly is a digital operating system for brick-and-mortar retail that unifies retail data, enables real-time shopper segmentation, and powers omnichannel campaigns. It helps independent and regional grocers compete with giants like Amazon and Walmart by providing mobile engagement, personalization, loyalty integration, and closed-loop retail media capabilities. The platform operates on a revenue-sharing model where Swiftly's success is directly tied to the retail media revenue generated by its clients. Swiftly shoppers spend 1.5x more than average customers and drive over 25% of product and payment volume for participating retailers.

Swiftly is a vertical SaaS platform and retail media marketplace that unifies first-party shopper data across POS, loyalty, ecommerce, and mobile to enable identity resolution, audience targeting, and closed-loop attribution. The platform serves both grocery retailers and CPG brands, allowing independent and regional grocers to compete with Amazon and Walmart through digital engagement tools, personalized loyalty programs, and high-margin media monetization. Major customers including PepsiCo, Red Bull, and Kraft Heinz use Swiftly to drive in-store sales across 33,000+ locations. Swiftly operates a two-sided marketplace where retailers gain digital surfaces and CPG brands access premium, retailer-owned inventory via a unified campaign engine.