However, unlike competitors, such as Klarna, the company isn’t providing financing themselves but instead connects to its own marketplace of lenders who compete to offer the most suitable credit, including Divido’s most popular 0% finance option. This line of credit can be applied for via a retailer’s website or, since Divido is omni-channel, in store or over the telephone, which is another key differentiator, Divido founder and CEO Christer Holloman told me during a call. The marketplace element also differs from the traditional point of sale consumer finance model that typically sees large retailers partner with a single lender in order to be able to offer consumer credit at checkout and, in turn, makes it harder for smaller retailers to compete.

https://techcrunch.com/2016/09/06/divido/