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":"d7750588785d49cdc941ca1a526f7d3f","s":"f03021014eeecd2e"}
Share your thoughts. Click here