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S8 E9: Fintech Recap: Klarna’s “Balance” vs. Banking, Affirm's Resilience, and Niche Neobanks Refuse to Die

Fintech Takes

CHAPTER

Klarna's Balance: Banking or Commerce?

This chapter explores Klarna's new 'Balance' feature, contrasting its European banking services with its US offerings, which lack deposit insurance and interest. The discussion critiques media perceptions of Klarna as a banking competitor and analyzes consumer behavior in relation to wallet apps. It highlights the complexities of stored wallets, the impact of reward structures, and the implications for users with limited income.

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