At least here in Finland Klarna engages in borderline-shady tactics. They use all the dark patterns you can think of to get your personal identity number even i

At least here in Finland Klarna engages in borderline-shady tactics. They use all the dark patterns you can think of to get your personal identity number even if you choose a payment method that doesn't require it, presumably to combine data from various sources. They skip the difficult identity-verification steps to make the checkout go faster, which of course means they can be easily used for fraud, and it falls to the unfortunate bystander whose identity was stolen to report the fraud and return the goods. I and a lot of friends avoid Klarna checkouts to the point of choosing a more expensive shop or ordering from outside the country.