The majority of Klarna’s global transactions go through Europe...

The majority of Klarna’s global transactions go through Europe where the main options are not the same. Eg UK pay later is pay nothing now, pay in full in 30 days. Slice it in UK is pay monthly instalments interest free then with interest, just like Zip money. They also process full payment up front elsewhere in Europe I believe.

Even in the US they have a range of products, it’s right there on their website. Majority of take up in the US right now would be going through their “pay in 4 anywhere” which is a product just like afterpay to the customer, you are right.