Скачать или смотреть Is Klarna Quietly Running Credit Checks?

What really happens behind the scenes when you hit Buy Now, Pay Later?

Critics say BNPL fuels overspending. Klarna says the opposite — and points to the controls most users never see.

From soft credit checks and identity-based data to your repayment history inside the Klarna ecosystem, not every transaction gets a green light. Sometimes, the answer is simply no — based on risk, purchase size, and past behavior.

So how much data goes into that decision?
And where does Klarna draw the line?

This clip breaks down how BNPL risk is actually managed.
Think before you tap.

#buynowpaylater
#bnpl
#klarna
#fintech
#consumerfinance
#digitalpayments
#creditrisk
#financialliteracy
#moneytok