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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

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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