In a world where hot dogs are harder to buy, and brands drown in the muck of online retail, a hero rises from the ashes to offer predatory unsecured loans through an app. That hero's name? Klarna.

Edited and thumbnail by Noah

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Sources:

1) https://www.expressen.se/ekonomi/klarna-miljardaren-berattar-om-de-skakande-anklagelserna/
2) https://www.telegraph.co.uk/technology/technology-startup100/8428669/Start-Up-100-A-Z.html
3) https://owp.klarna.com/legacy/assets/sites/15/2021/05/28054804/Financial-Update-Q1-2021.pdf https://techcrunch.com/2021/06/04/as-buy-now-pay-later-startups-keep-raising-capital-a-dive-into-klarna-afterpay-and-affirms-earnings/
4) https://www.theguardian.com/technology/2022/jul/11/klarna-sees-its-value-slashed-by-85-in-latest-round-of-fundraising https://www.reuters.com/business/finance/klarnas-valuation-slumps-67-bln-with-800-mln-raise-2022-07-11/
5) https://www.theguardian.com/business/2022/may/04/klarna-to-start-reporting-uk-customer-debts-to-credit-agencies
6) https://www.theguardian.com/money/2018/nov/17/klarna-buy-now-pay-later-system-that-is-seducing-millennials
7) https://techcrunch.com/2025/05/21/klarna-used-an-ai-avatar-of-its-ceo-to-deliver-earnings-it-said/
8) https://techcrunch.com/2025/05/21/klarna-used-an-ai-avatar-of-its-ceo-to-deliver-earnings-it-said/
9 ) https://www.paymentsdive.com/news/cfpb-buy-now-pay-later-bnpl-use-debt-research-report/737285/