What is Klarna? How Klarna became a Fintech Unicorn 

Watching this to prepare for an interview at Klarna tomorrow. Amazing video, thanks a lot!

Great video! Keep up the good work my man 👍

New subscriber, great content and great visuals. Keep it up!

It's a really good video. 👍 Thank you for sharing.

So true!! Thanks for the video, so useful!

Nothing better than delayed payment to sink a family / individual already sunk by debts.

Whaaat this video is so underwatched!! Great job to How It Happened, this vid was well made, you got a subscriber

So they profit off of you paying late fees ?

Welcome to 2016. Thank you Sweden. The land of innovation

Thanks for this illustrative video, I'm gaining insightful findings for my interview tomorrow!

Needed to watch this for an interview with Klarna this week! 🙏🏻

i was thinking bout using klarna to buy a phone so it's basically a loan ive seeing people talking about it

worth 31 billion now

Klarna is such a useful tool to help manage my spending, would highly recommend it!

How does this company make money I don't understand???

I won’t use Klarna again.

They stole the idea from Coppel in Mexico

Ja omijam tą firmę szerokim łukiem -- nigdy więcej nie kupię niczego od firmy ,która współpracuje z KLARNA. Zapłaciłam bardzo dużo za NIE MOJE błędy .Douglas przeprosił - Klarna skasowała 500 E za nic (Coeo Inkasso). Nie polecam.

i used klarna and i’m 16😭 i didn’t know i had to be 18 oops

Klarna is a waste of time just go to Best Egg, LightStream, WellsFargo, Marcus, Goldman & Sacs and apply for a personal loan. The application process is a bit more involved but your APR is very good, the best on the market and you can get pre-approved (soft pull) on Lending Tree and get at the very least a more transparent interaction. Klarna or any of these Buy Now Pay Later options are for those people who like PAYLATERGUIDE suggests; you have to start off small and build a relationship and no one knows how long it will take to purchase over $1000. Klarna is not a viable option to banks as they seem to reject high credit scores because Klarna makes its money primarily from Late payments and the interest accrued from that late payment. People who pay on time isn't what Klarna is looking for. Klarna is owned by WebBank which until recently was a pass-through for Lending Club . WebBank is a sham funding bank that Lending Club used to avoid usuary laws and remain unregulated and is owned 100% by Steel Partners Holdings LP . All the loans written by Web bank was passed to Lending Club who profited from defaults. Steel Partners need a bank like WebBank to appear liquid but is actually illiquid and it somehow allowed it to become publicly tradable.. Citigroup has bout 100's of millions of loans from WebBank... See where I am going with this? The profits are in default loans, add that with ducking regulatory laws and fees and you have a money maker in WebBank which really has no real value if sold today because they do not own their own loans. Klarna is nothing its just a name, WebBank passes these loans forward and thats why you get declined. Klarna takes no risks with WebBank reporting 27.02 Million in loss loans. WebBank currently writes loans for PayPal working capital loans.