[nindalf]

Why is this? Aren’t credit products something that consumers have used for decades? Is there something about Klarna that makes it unsuitable to use?

If you’re talking about securing funding to do the lending, then sure that makes sense. Is that your concern or is it around the business model itself?

[brtkdotse]

Not the OP, but as I see it Klarna need a steady stream of cheap credit to be able to offer their services. If that stream gets less steady and/or less cheap, the whole calculation falls apart.