Founded in 2005, Klarna built its business around the idea of shifting payment until after you've bought something online, rather than before. It basically let's any retailer put the equivalent of Amazon's "buy with one click" button on its site. Click the Klarna button, then input your email and post code. That's it. You've bought your item. The buyer then gets an email from Klarna asking them to fill in payment and delivery details. This method radically improves so-called 'conversion rates' — the percentage of people who actually follow through with a purchase after looking or putting it in their basket. The smart thing about the company's technology is that it then remembers your computer, smartphone or tablet, meaning you only have to fill in payment details once...

http://www.businessinsider.com/swedish-payment-company-klarna-thinks-it-can-save-newspapers-2015-5