Online commerce is growing rapidly and it is not surprising that service providers in the eCommerce environment from this boom benefit. Such service is Klarna. Dating Sweden startup was founded in 2005 and provides the Payment Methods Payment and bill payment for online shops to. Over 700 employees and over 1 billion of unsettled sales are figures that will impress even investors fairly. In country, Sweden, one in four online purchase via Klarna is now settled. But how is the size of Klarna and how do you manage to collect so much money investors like the Swedes? Sebastian talks out of school and explains why the salvation of a startup is not always in the most technically demanding technologies.