CBA is spending up big - they also have the data analytics on their side, in that they can see which CBA customers are using AFterpay, Zip, Humm etc, and offer targeted incentives to try Klarna. $300m USD is not to be sniffed at - CBA will need to justify this investment to shareholders. See if they can execute, however!
News: APT Australia's Commonwealth Bank raises stake in pay-later fintech Klarna, page-3
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