But it also faces criticism about its creation of questionable debt for products of questionable value ... BNPL models that create high default rates. No one has an incentive in this model ...

Aleksandra Medina discusses what Klarna’s deceptively enticing branding means for this generation’s financial literacy skills ...

If you can pay off the charge before the introductory APR period ends, you're essentially getting an interest-free loan that lasts several times longer than the ones typically offered by BNPL plans.