Is it really that good? That depends, good compared to who Klarna reaches a record 11 million customers in the US, since Klarna launched in US in May 2019 - 1 and half years. Note Klarna in the UK has 24 million active users in the U.K although started since 2015. Has growth slowed alot because of credit check? It may be unfair but is the aim to be a niche player? Everyone should think of some questions on this thread. What should we ask at 11am?