INDEX / DIRECTORY / KLARNA / DIGITAL

Klarna DIGITAL

DIGITAL INFRASTRUCTURE AUDIT UPDATED 2026-09-22
Digital Score 0.00 /10 D Klarna - BDS-1000 383
Digital 0.00

Evidence-only forensic audit. Scoring happens downstream - see the main dossier for the composite assessment.

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Enterprise Technology Stack & Vendor Relationships

Klarna selected AWS as its preferred cloud provider in December 2019, with AWS stating that Klarna used its global infrastructure for scalability, redundancy, fault tolerance, security, regulatory compliance, and customer-data protection 1. The available AWS announcement does not identify an AWS Israel Region deployment, an Israeli state customer, or the current status and scope of the relationship 1.

No public evidence identified.

The FY2025 filing identifies Klarna Group plc as the ultimate parent following a May 2024 reorganisation, while Klarna Bank AB (publ) remains a Swedish authorised bank supervised by the Swedish Financial Supervisory Authority 2, 3. Klarna Financial Services UK Limited is authorised by the UK Financial Conduct Authority for consumer-credit and e-money services 3.

Surveillance, Biometrics & Retail Technology

No public evidence identified that Klarna uses Israeli-origin facial recognition, biometric identification, gait analysis, retail computer vision, or frictionless-checkout products from Trigo, BriefCam, AnyVision/Oosto, Trax, or comparable providers.

No public evidence identified that Klarna uses Israeli-origin predictive-policing, social-media-monitoring, sentiment-analysis, or workforce-surveillance technology, whether directly or through a managed service.

No public evidence identified that Klarna technology has been documented as deployed for Israeli military, intelligence, or law-enforcement surveillance in Israel or the occupied territories.

Cloud Infrastructure, Data Residency & Sovereign Cloud Participation

AWS announced in June 2021 that its Israel (Tel Aviv) Region would allow customers to select Israeli data residency, but that general capability does not establish that Klarna selected the region, stored data there, or routed data through Israeli infrastructure 1, 4.

No public evidence identified that Klarna operates, leases, or colocates a data centre in Israel; participates in Project Nimbus; or provides cloud, data-sovereignty, or resilience services to Israeli state or military institutions.

The available sources do not identify Klarna’s selected AWS regions, data-routing architecture, backup locations, or the jurisdictional exposure of Klarna data processed through AWS infrastructure 1, 4.

Defence, Intelligence & Security Sector Technology Relationships

No public evidence identified of a Klarna contract, partnership, service agreement, licensing arrangement, or technology deployment involving the Israeli Ministry of Defence, IDF, intelligence agencies, Israeli police, or another Israeli state-security body.

No public evidence identified of offensive-cyber or digital-weapons development, sale, licensing, or maintenance by Klarna.

Klarna’s published leadership material identifies Harjyot Lidher as CISO and Yaron Shaer as CTO, but does not document provision of technology to Israeli state, military, or security bodies 5.

AI, Algorithmic & Autonomous Systems

Klarna’s published leadership information identifies David Fock as Chief Product and Design Officer and Yaron Shaer as CTO, but does not document AI, machine-learning, computer-vision, or autonomous-system provision to Israeli state, military, or security bodies 5.

No public evidence identified that Klarna models or platforms have been trained on, or granted access to, Israeli or occupied-territory civilian, communications, or surveillance-derived datasets.

No public evidence identified of autonomous target-generation, threat-detection, or tracking systems supplied by Klarna to Israeli forces.

Technology Ecosystem & R&D Footprint

Klarna acquired Analyzd in May 2011, and contemporary reporting described Analyzd as a risk-management and fraud-prevention company operating in Israel, Europe, and the United States 6. The reporting stated that Analyzd’s Tel Aviv personnel would join Klarna’s data-driven risk-management organisation 6.

Klarna Bank AB’s 2020 annual report identified goodwill from the acquisition of Analyzd Technologies Ltd. as mainly attributable to Klarna Ltd. Israel, confirming a historical acquisition and group link 7.

Klarna Holding AB’s 2019 annual report stated that its restructuring reserve related to closure of the Tel Aviv office in Israel 8. CTech reported that the Tel Aviv product-development centre, established after the Analyzd acquisition, was being shut down and attributed the information to a Klarna spokesperson 9.

The March 2025 subsidiary exhibit lists entities across numerous jurisdictions but does not list an Israel-incorporated entity, which is a document-scoped observation rather than confirmation that no Israeli nexus exists 10. No public evidence identified of a current Klarna Israeli R&D centre, engineering office, innovation lab, accelerator, subsequent Israeli technology acquisition, strategic Israeli venture investment, or co-development or patent arrangement with an Israeli research institution.

Civil Society Scrutiny & Regulatory History

The supplied document-scoped review found no mention of Klarna in the UN Special Rapporteur’s A/HRC/59/23 report or in the 2023 and 2025 OHCHR settlement-business database updates 11, 12, 13. These non-mentions do not establish absence from all UN materials or settlement-related activity 11, 12, 13.

The supplied review also found no mention of Klarna in the reviewed BDS priority-target list and Human Rights Watch report, which are report-scoped non-mentions rather than sector-wide absence findings 14, 15.

No public evidence identified of an organised boycott, divestment, sanctions, export-control, or regulatory action specifically concerning Klarna technology provision to Israeli state entities or operations in occupied territory.

The focused regulatory result concerning Israeli financial-sector enforcement addressed Isracard rather than Klarna and therefore does not establish a Klarna-specific Israeli regulatory action 16.

Klarna Group plc is incorporated in England and Wales, and the available governance material identifies Klarna Bank AB as a Swedish subsidiary and authorised bank 3. The FY2025 filing reports that Sequoia Capital-affiliated entities beneficially owned approximately 23% of issued share capital and identifies Sequoia as the only disclosed holder at or above 10% 2.

Footnotes

  1. https://press.aboutamazon.com/2019/12/klarna-selects-aws-as-its-preferred-cloud-provider ↩ ↩2 ↩3 ↩4

  2. https://www.sec.gov/Archives/edgar/data/2003292/000200329226000007/klar-20251231.htm ↩ ↩2

  3. https://investors.klarna.com/governance/Governance-Oversight/ ↩ ↩2 ↩3

  4. https://press.aboutamazon.com/2021/6/aws-to-open-data-centers-in-israel ↩ ↩2

  5. https://investors.klarna.com/governance/leadership/ ↩ ↩2

  6. https://techcrunch.com/2011/05/04/klarna-acquires-analyzd-to-tie-social-to-finance-and-payments/ ↩ ↩2

  7. https://owp.klarna.com/legacy/assets/2021/03/30041759/Annual-Report-Klarna-Bank-AB-2020-210329.pdf ↩

  8. https://owp.klarna.com/legacy/assets/2020/04/Klarna_Holding_AB_Annual_Report_2019_EN.pdf ↩

  9. https://www.calcalistech.com/ctech/articles/0%2C7340%2CL-3731793%2C00.html ↩

  10. https://www.sec.gov/Archives/edgar/data/2003292/000162828025012824/exhibit211-fx1.htm ↩

  11. https://docs.un.org/en/A/HRC/59/23 ↩ ↩2

  12. https://docs.un.org/en/A/HRC/53/24 ↩ ↩2

  13. https://docs.un.org/en/A/HRC/60/19 ↩ ↩2

  14. https://bdsmovement.net/Guide-to-BDS-Boycott ↩

  15. https://www.hrw.org/report/2021/04/27/threshold-crossed/israeli-authorities-and-crimes-apartheid-and-persecution ↩

  16. https://www.boi.org.il/publications/pressreleases/12-5-24/ ↩