More recently, the company expanded to the U.S. where it now has 9 million customers out of 90 million customers in total. It mainly competes with Affirm in the U.S. Klarna has also been expanding its offering by targeting consumers directly — not just e-commerce companies.

https://techcrunch.com/2020/09/15/klarna-raises-650-million-at-a-10-6-billion-valuation/