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.

Klarna Kosma Insights API is one of 6 APIs that Klarna Kosma publishes on the APIs.io network.

Tagged areas include Open Banking, Categorization, Insights, Income Verification, and Affordability. The published artifact set on APIs.io includes API documentation.

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.