Yuav tam sim no, them nyiaj tom qab loj heev Klarna hais tias nws yuav pib tshaj tawm cov ntaub ntawv ntawm cov neeg siv khoom siv ntawm nws cov khoom lag luam rau credit bureaus hauv UK, npaj rau cov kev cai nkag los txhawm rau txhawm rau txhawm rau hauv kev lag luam dhau kev ntshai nws ua rau cov tub ntxhais hluas ua nuj nqis.
Pib txij Lub Rau Hli 1, lub tuam txhab Swedish fintech yuav qhia cov ntaub ntawv hais txog seb Brits tau them nyiaj qiv nyiaj raws sijhawm lossis poob qis ntawm lawv cov nyiaj them rau. TransUnion thiab Experian, txhais tau tias cov ntaub ntawv tam sim no yuav pib tshwm rau ntawm lawv daim ntawv tshabxo nuj nqi. Klarna muaj nyob ib ncig ntawm 16 lab cov neeg siv hauv lub tebchaws.
Qhov kev txav mus los yuav siv rau lub tuam txhab "them peb" thiab "them hauv 30" cov kev pabcuam, uas tso cai rau cov neeg siv khoom them lawv cov nuj nqis hauv peb lub hlis lossis 30 hnub, raws li, yam tsis muaj paj laum. Klarna twb tau tshaj tawm cov ntaub ntawv ntawm kev cog lus qiv nyiaj mus sij hawm ntev txij li rau rau rau 36 lub hlis, uas ua rau muaj kev txaus siab.
Klarna tau hais tias cov neeg siv khoom cov qhab nia credit yuav tsis cuam tshuam tam sim los ntawm kev hloov pauv - tam sim no, feem ntau BNPL cov kev pabcuam tsis cuam tshuam rau tus neeg tau qhab nia credit. Txawm li cas los xij, tom qab 12 txog 18 lub hlis, tus neeg siv ntawm Klarna yuav tshwm sim rau cov qiv nyiaj thaum pom zoo qiv lossis qiv nyiaj qiv nyiaj. Kev yuav khoom ua ntej Lub Rau Hli 1 yuav tsis cuam tshuam, Klarna tau hais.
Txoj kev loj hlob tau teeb tsa qhov tseem ceeb tshaj plaws rau kev yuav khoom tam sim no, them nyiaj tom qab, lossis "BNPL," uas tau vam meej tsis muaj ib feem me me ua tsaug rau cov txheej txheem thov kom zoo dua thiab tsis muaj kev saib xyuas. Nws tuaj yeem cuam tshuam cov neeg yuav khoom los ntawm kev siv lub tuam txhab cov kev pabcuam, vim tam sim no nws yuav cuam tshuam rau lawv cov keeb kwm credit.
Gwera Kiwana, tus thawj tswj hwm khoom lag luam ntawm UK fintech kev pab tswv yim 11: FS, hais rau CNBC.
"Klarna tshaj tawm rau cov tuam txhab qhab nia qiv nyiaj tuaj yeem siv tau los ntawm cov neeg siv cov ntaub ntawv nyias xws li cov neeg tsiv teb tsaws chaw thiab cov underbanked ua ib qho cuab yeej rau kev tsim cov credit. Qhov ntawd yuav ntxiv dag zog rau BNPL qhov kev muab piv rau cov nqi qiv nyiaj siab, yog tias nws tuaj yeem muab sijhawm rau cov neeg siv khoom los txhim kho lawv cov qhab nia credit los ntawm kev coj tus cwj pwm zoo. "
BNPL cov tuam txhab ntsib kev suav hauv UK thiab lwm lub tebchaws, raws li cov neeg tswj hwm saib xyuas cov kev pabcuam zoo li no thaum muaj kev txhawj xeeb lawv txhawb cov neeg siv khoom - Gen Z thiab ntau txhiab xyoo, tshwj xeeb - siv nyiaj ntau dua li lawv tuaj yeem them taus.
Xyoo tas los, tsoomfwv Askiv tau tshaj tawm tias nws yuav tswj BNPL cov khoom Tom qab kev tshuaj xyuas pom ib ntawm 10 cov neeg siv khoom ntawm lub txhab nyiaj loj uas siv cov kev pabcuam no tau poob rau hauv cov nuj nqis. Cov kev cai tseem tsis tau pom zoo, tab sis xav tias yuav pib siv los ntawm 2023.
Hauv Asmeskas, lub sijhawm no, Consumer Financial Protection Bureau yog tshawb xyuas Klarna, Affirm thiab lwm lub tuam txhab BNPL dhau kev txhawj xeeb lawv thawb tib neeg mus rau hauv cov nuj nqis.
Klarna tau hais tias, thaum UK cov cai tswjfwm muaj feem cuam tshuam rau nws qhov kev txiav txim siab tshaj tawm cov ntaub ntawv rau cov tuam txhab qiv nyiaj loj, lub tuam txhab tau ua haujlwm ntawm kev hloov pauv rau ob xyoos. Lub tuam txhab hais tias nws cia siab tias nws cov neeg sib tw yuav ua raws li kev cai.
“Qhov no yuav ua rau lwm tus neeg muab kev pabcuam muaj peev xwm saib seb puas muaj ib tus neeg tau dhau mus rau lawv tus kheej siv Klarna; los yog, sib npaug, raws li lwm tus neeg muab kev pabcuam tuaj rau hauv lub nkoj, peb yuav tuaj yeem pom seb cov neeg siv khoom puas tau siv lawv tus kheej siv cov chaw muab kev pabcuam, "tus kws tshaj lij Klarna hais rau CNBC.
Nws tseem tsis tau paub meej tias cov tuam txhab sib tw PayPal los yog Clearpay - uas tam sim no yog tswv los ntawm Square niam lub tuam txhab Thaiv — npaj yuav tshaj tawm cov kauj ruam zoo sib xws. Cov tuam txhab tsis tau muaj kev tawm tswv yim tam sim ntawd thaum hu los ntawm CNBC.
Klarna feem ntau tau tawm tsam kev lag luam credit card rau cov neeg yuav khoom tsaws nrog lub nra hnyav thiab cov nqi them lig.
Alex Marsh, Klarna tus thawj coj UK tau hais tias "Nws yog qhov txaus ntshai uas cov neeg siv khoom hauv tebchaws Askiv tseem raug yuam kom rho tawm cov npav rho nyiaj siab los ua pov thawj tias lawv tuaj yeem siv credit ua lub luag haujlwm thiab tsim lawv cov credit profile," Alex Marsh, Klarna tus thawj coj UK, tau hais hauv nqe lus Wednesday.
"Qhov ntawd yuav pib hloov pauv rau 1 Lub Rau Hli xyoo no vim tias feem ntau ntawm 16 lab tus neeg siv khoom hauv tebchaws Askiv uas ua rau Klarna BNPL them tag nrho thiab raws sijhawm yuav tuaj yeem ua kom pom lawv lub luag haujlwm siv credit rau lwm tus qiv nyiaj."
Tau qhov twg los: https://www.cnbc.com/2022/05/04/klarna-to-report-buy-now-pay-later-data-to-uk-credit-bureaus.html