Retail
January 21, 2022
Klarna sees its highest rates of adoption in Australia, the U.S. and the U.K. Image credit: Klarna
By Sarah Ramirez
Popular fintech solutions have changed consumer mindsets about high-ticket purchases while helping merchants improve the customer experience.
{"ct":"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","iv":"7ceaf5f6c17c4e7cf8093e4e8db68019","s":"858a1ca883392d40"}
Share your thoughts. Click here