I would be surprised if the percentage of goods people actually need financed by Klarna exceeds one percent. It's mostly fashion and luxuries. Klarna is not a

I would be surprised if the percentage of goods people actually need financed by Klarna exceeds one percent. It's mostly fashion and luxuries. Klarna is not a charity. Its whole business model is that a certain percentage of loans taken out will not be paid back in time because a lot of people suck at comprehending their financial situation, and that's where they make their profit. Cf.: https://www.theguardian.com/business/2022/oct/03/its-just-so-easy-isnt-it-how-buy-now-pay-later-can-leave-britons-struggling-with-debt https://www.theguardian.com/business/2022/oct/03/its-just-so...