Klarna Dives into Agentic Commerce with ChatGPT Launch
Known for its leadership at the helm of AI in the BNPL space, Klarna has extended its AI-powered services to ChatGPT.
The Klarna Shopping Search app, currently available in OpenAI’s popular conversational AI ChatGPT ensures that consumers are getting access to Klarna’s extensive merchant network.
In the latest chapter of agentic commerce, consumers can now discover products directly through conversations with AI instead of leaving the app.
Research from Adobe indicates that the future of retail is reshaping, as AI-powered product searches made a significant impact on holiday shopping.
The research notes that in the 2025 holiday season, traffic from AI platforms to retail sites grew to almost 700%.
The shoppers from these platforms had a higher conversion rate of 31%.
Seizing the opportunity demonstrated by the statistics is fintech leader Klarna.
Consolidating the user experience, shoppers do not need to open new tabs, navigate competing sites or reconcile outdated prices, as they are directed through the Klarna Shopping Search app in ChatGPT.
With accessibility in mind, users can continue their conversation as they shop, simply describing what they are looking for.
Shoppers are then met with visual results that indicate availability, up-to-date prices, and offers from merchants within the conversation.
After selecting a product, users are directed to the merchant’s site to complete the purchase.
David Sykes, Chief Commercial Officer at Klarna, says: “ChatGPT is where millions of people already turn when they're figuring out what they want.
“We're plugging our merchant network directly into that moment. A consumer who last week would have spent twenty minutes comparing tabs now gets a real answer in one conversation, creating a more seamless experience from idea to purchase.”
How does it work?
Aside from building on the reputation of a conversational AI model, Klarna is also connecting its Product Search MCP server.
The server connects ChatGPT to the live commerce data provided by Klarna that details more than 100 million products over 13 markets and 400 million merchant listings.
The vast information is delivered directly within the ChatGPT app for consumer convenience, streamlining the search process before the shopper can complete the transaction.
The retailers appear organically, based on relevance, while sponsored merchants will be clearly labelled.
The rise of ChatGPT and finance
Driven by rapid advancements in conversational AI, leading financial institutions and tech pioneers are moving away from siloed interfaces to meet consumers exactly where they are.
At the heart of this transformation is OpenAI’s ChatGPT, which is evolving from a novelty chatbot into a powerful hub for everyday financial decisions.
In the UK, high-street giant NatWest has made a pioneering move by becoming the country's first bank to launch a dedicated app within the ChatGPT platform.
Recognising that a staggering 56% of British adults now utilise AI for financial advice, NatWest’s integration targets the early, complex stages of home-buying.
By securely inputting real figures like income and outgoings, users receive tailored mortgage advice, borrowing capacity estimates, and deposit scenarios directly within their chat.
Crucially, the bank maintains trust by adhering to strict ethical codes, routing users to official channels once they are ready to transact.
Simultaneously, across the Atlantic, OpenAI is scaling this hyper-personalised approach by partnering with financial API network Plaid.
This collaboration enables US-based ChatGPT Pro users to securely link their live financial accounts, granting the AI's advanced reasoning capabilities direct context over real-world balances, investments and transaction patterns.
While OpenAI explicitly notes the feature is not a direct replacement for professional human advice, the integration dramatically elevates consumer financial literacy and budgeting.
Together, these developments underscore an era of unprecedented financial personalisation.
