Klarna has much more different services than Afterpay, and many of them are entirely free. I guess they idea here is to lock in users and monetize the GMV later, since their strategy aims at chasing growth in GMV and users rather than revenue per se. Whether it will work out is of course a different question. I love Klarna but at this point they're probably the most richly valued big cap company out there, right next to Snowflake.
APT Price at posting:
$93.93 Sentiment: Hold Disclosure: Held