Klarna
London has emerged as a capital of fintech in Europe, with the UK attracting $5.4 billion (£3.5 billion) of investment in the sector over the last five years compared to $4.4 billion across the rest of Europe.
But Europe's Nordic countries - Denmark, Sweden, Iceland, Norway, and Finland - also have a flourishing scene. The region is already home to a so-called fintech "unicorns" - startups worth over $1 billion.
We've rounded up the 12 most exciting fintech businesses from the region below.