Klarna is preparing for a public offering, prompting speculation about other venture-backed fintech startups that may follow suit. The company attributes its improved efficiency partly to artificial intelligence, reporting a revenue per employee increase from $344,000 in 2022 to $821,000 in 2024. Notably, 96% of Klarna's employees utilize AI daily, and 62% of customer support queries are managed by AI, resulting in savings of approximately $39 million. Klarna has also reported its financial results due to bonds listed on the Nasdaq Stockholm exchange. In 2024, the company's gross merchandise volume (GMV) in the U.S. reached $25 billion, with the U.S. and Germany contributing 24% and 31% to its GMV, respectively, while Sweden and the United Kingdom accounted for 12% and 11%. Although Klarna has not disclosed its revenue breakdown by geography in its F-1 filing, it typically provides this information in audited statements.