Fintech Insider Podcast by 11:FS

991. News: Klarna’s big loan moves, Monzo’s mobile expansion & Robinhood’s AI investing launch

35 snips
Aug 25, 2025
Join Jason Saltzman, Head of Insights at CB Insights, Chantal Swainston, founder of The Heard, and Anine de Kock, Head of Partnerships at Peach Payments, as they dive into fintech's latest news. They discuss Klarna's bold $26 billion BNPL move in the US, Monzo's exciting venture into mobile services, and Robinhood's innovative AI investing tool. Anine highlights Peach Payments' real-time features for the African market, while the group shares a light-hearted take on Zopa's creative marketing stunts. Insights and laughs await!
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INSIGHT

Klarna Shifts To Sustainable Funding

  • Klarna's forward-flow sale to Nelnet creates predictable off-balance-sheet funding while Klarna keeps origination and servicing.
  • This positions Klarna to emphasize fee income and appear more like a tech platform ahead of an IPO.
INSIGHT

Growth Still Solid Despite Loss Headlines

  • Klarna's growth metrics remain strong despite reported losses being highlighted in press searches.
  • Losses relative to sales were small and volume grew 19% year-over-year, signaling resilience.
INSIGHT

Banks Eye MVNOs To Boost Stickiness

  • Monzo plans an MVNO offering with eSIMs to increase customer stickiness and diversify revenue.
  • MVNOs are low-risk, potentially profitable add-ons that give banks another customer touchpoint.
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