[Fluorescence]

> because Klarna already specializes in precisely this kind of transaction

I think Apple gets sweetheart deals so their partners often lose money. Klarna likely sees this as a marketing coup to have their predatory sussness promoted by the Apple halo brand.

If there was profit to be had, I'm sure Apple could buy a small bank and spin it off as a subsidiary with little drama, it's just not the best of their options.