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":"b6e4899ffd2fc578e7590bc6c7339cb3","s":"06173971efe87239"}
Share your thoughts. Click here