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The Klarna conundrum: why treating buy-now-pay-later apps like banks will not protect consumers

By Joshua Hobbs, Lecturer and Consultant in Applied Ethics, University of Leeds
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Whether you use Klarna all the time or have barely heard of it, it’s time to start paying attention: the buy-now-pay-later app has just become the biggest private fintech company in Europe. Klarna has completed a new round of fundraising, valuing it at US$46 billion (£33 billion). That’s four times what it was worth last September, and on a par with fellow Swedish tech giant Spotify.…


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