KLAR

Klarna is a digital bank and payments company that lets shoppers buy things now and pay later, either in full at checkout or in installments over several months. They offer a Klarna card and app that work at online and physical stores, plus a savings account where customers can hold money. Klarna also makes money by showing ads to shoppers and by taking a cut from the merchants who use their payment system. The company operates across the United States, the United Kingdom, Germany, Sweden, and other countries.