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13min chapter
S8 E9: Fintech Recap: Klarna’s “Balance” vs. Banking, Affirm's Resilience, and Niche Neobanks Refuse to Die
Fintech Takes
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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Discover
highlights
Listen to the best highlights from the podcasts you love and dive into the full episode