The Buy Now Pay Later Takeover | Maxing Out | 2

Business Wars

Audible

History, David Brown, Business, Management

4.6 • 13.5K Ratings

🗓️ 18 February 2026

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

Klarna’s popularity in the United States soars as the Covid-19 pandemic closes brick-and-mortar stores and online shopping surges. But Klarna also has a fresh wave of competitors. And as consumers find themselves sucked into vicious debt cycles, Klarna and other Buy Now, Pay Later services are forced to navigate a backlash and new government regulation.

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Transcript

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0:00.0	It's late 2020 in London, England.
0:10.0	Influencer Ahosa Ovienrioba lets out a squeal as she hits sand on an email.
0:17.0	She just sent a batch of videos to a brand's marketing director for approval. Once they
0:22.4	sign off, she'll post them to her Instagram stories and officially become a brand partner for one of
0:27.4	the biggest companies she's ever worked with. OVN Riyoba started posting on YouTube back in 2010,
0:34.0	mostly giving beauty and lifestyle tips. At first, the posts were a fun creative outlet
0:39.4	while she studied law at school, but now it's her full-time job, and this latest deal is a major
0:45.6	financial milestone. OVN Riyoba can't sit still, so she picks up her phone and calls a friend.
0:54.8	Hey, how's it going?
0:56.5	Oh, my gosh.
0:57.8	You won't believe who I'm partnering with.
1:00.3	This is my biggest deal yet.
1:02.4	Oh, yeah?
1:03.3	Who's it with?
1:04.5	Clorna.
1:05.4	I'm doing Instagram stories about how I use it to buy my favorite beauty products.
1:11.7	Uh, uh, hello? Are you there? No. about how I use it to buy my favorite beauty products. Hello?
1:13.3	Are you there?
1:15.1	Yeah, I'm still here.
1:17.0	Did you hear me?
1:18.1	I just signed a deal with Clorna.
1:20.3	Isn't that cool?
	...

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