Yeah, I would agree with that: it's payday loans with a friendly face. I once worked with someone who had previously been an exec at Klarna, and he had some 'in

Yeah, I would agree with that: it's payday loans with a friendly face. I once worked with someone who had previously been an exec at Klarna, and he had some 'interesting' stories about how they did credit decisioning. One of the examples that always stuck in my mind[0] was declining people with five or more vowels in their last name, because it was an effective proxy for West African people. (I remember that one because it also picks up my somewhat posh double-barrelled English surname, so I suppose I would have been collateral damage.) [0] I should say I can't remember for sure if this was from his time at Klarna or somewhere else, but it was at least illustrative of the kind of people and the culture there.