I think it's better to see them as a payments platform. You may be right that U.S. customers won't prefer paying by invoice en masse -- and Klarna checkout off

I think it's better to see them as a payments platform. You may be right that U.S. customers won't prefer paying by invoice en masse -- and Klarna checkout offer that too. Some consumers prefer immediate [debit card] to deferred payments [invoice or credit card], others want it the other way around. Internet retailers can use Klarna's payments platform to enable both immediate and deferred payments.