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Klarna, a Swedish multinational payment solutions provider, has revolutionized the way people shop online by introducing a seamless and convenient "Buy Now, Pay Later" (BNPL) service. Founded in 2005, Klarna has grown into a global powerhouse, serving over 147 million active users across 45 markets. Its user-friendly platform allows customers to spread the cost of their purchases over time without incurring interest or fees, making online shopping more accessible and affordable. Klarna's BNPL service has gained widespread popularity among consumers, particularly among younger generations who prioritize flexibility and convenience in their shopping experiences. The service's integration with numerous online retailers has made it a ubiquitous payment option, offering customers the freedom to shop without worrying about upfront costs.