Klarna ID

Verification via Open Banking & Ident Services

The core of the system is the combination of open banking verification and external identity checks:

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• Login via personal bank account
• Confirmation through a cent transaction
• ID upload via a certified third-party provider
• Face scan to check for consistency with the ID document

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The entire process is designed as a seamless user flow: logically structured, clearly explained, and organized so users always know what is happening and why.

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UX balancing security & trust

A key focus of the design was user guidance in a particularly sensitive area. Clear visual hierarchies, streamlined interfaces, and transparent communication ensure trust is built without unnecessarily complicating the process.

Status indicators, progress displays, and clear instructions minimize uncertainty and reduce drop-offs in an otherwise complex process.

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Result

Klarna ID now enables fully digital identity verification – independent of location, secure, and without personal contact. The process combines open banking with external identification solutions, creating a modern alternative to traditional identification procedures.

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A system that doesn’t slow down verification – but accelerates it.

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