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How brands like Klarna and Mars are using AI in marketing operations

25 February 2026 · 867 views · Source: MarTech

A deep dive on how Klarna and Mars are operationalizing AI across creative production, multi-language localization and lead scoring — with practical lessons for any company planning a structured AI adoption program.

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Most AI marketing case studies come from tech-native companies. This MarTech piece is more useful because it pairs Klarna (digital-native fintech) with Mars (one of the largest CPG companies in the world) and asks: what is common to both?

Common patterns

  • Centralize the boring work. Both companies built internal AI tooling for the high-volume tasks (copy, image variants, translation) rather than letting each market or brand procure tools independently.
  • Localize, don't translate. AI lets both companies move from one global asset translated into 20 markets, to 20 culturally tailored variants generated from a shared brief.
  • Score leads with judgement, not just rules. AI-driven lead scoring blends behavioural signals with intent inferred from unstructured sources (calls, transcripts).

The hard parts they admit to

Both companies acknowledge the hardest work is governance: brand safety reviews, legal sign-off in regulated markets, and the handoff between AI-generated drafts and human approvers. These are unglamorous problems with no quick fix.

The VietMarkAI take: the lesson for Vietnamese SMEs is that you do not need Klarna's or Mars's budget to apply the same patterns. Centralize the tooling, build a small in-house "AI ops" capability, and treat governance as a first-class workstream from day one.

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MarTech
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