It's very difficult to shake the view that Klarna is just... scummy. They kind of want to say two things: They want to say that they're going to employ this cra

It's very difficult to shake the view that Klarna is just... scummy. They kind of want to say two things: They want to say that they're going to employ this crazy new AI that's going to bring their customer service costs to 0. This is presumably because they want to IPO and their actual financials look like crap. So tell a fairytale about AI and hope people buy it. But at the same time they don't want to go around screaming "Ha! Suckers! We're going to fire you all!" to the actual people who do their customer service today. So they simultaneously claim that they've got AI that has replaced 700 people, but that they haven't actually fired 700 people, but if you're listening Wall Street we're are firing them, but if you're listening EU regulators and main street no no we're definitely not. At the end of the day Klarna is a loan shark, not a fintech. They desparately want a fintech exit in an IPO, but I don't think it's really going to happen.