Have you heard about Klarna? Maybe if you live in Northern Europe.

Klarna, an Online Payment System Popular in Europe, Eyes Global Expansion – NYTimes.com.

Sounds like the ultimate challenge for risk management… buy now and pay later, without a bank card! Very popular in Nordic countries, but I’d like to see if they are able to find an algorithm that can live up to the risk of consumers in North America, let alone the latin taste for risk in shopping experiences.

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