Let me give you a quick reminder. The special offer is almost over. If you want to follow every market move I make, now's the moment to join my investing club.Don't wait. Scan that QR code or head to cnbc. com/kramerclub for access to our morning meetings and my charitable trust portfolio.And now it is time. It's time for the light round. You play this and then the lightning round is over.Are you ready. The light round. Hey, let's start with Matt in Texas.Matt. >> Hey, Jim. Nice to talk to you.I I'm just wo ...

that how much if you have the data how much do you replace or supplant store branded credit cards which can often have APRs up to 34%. Basically usery interest rates in some cases people might be better off going to the buy now pay later model than taking out some of these cards. Do you do you take their share.>> Uh very much so. So, I mean the point is that in the US there's this uh group called self-aware avoiders. People who've tried credit cards uh didn't like them.Uh found that they are the product of ...

Abu Dhabi, United Arab Emirates – TheNewswire - December 1, 2025 – Falcon Energy Materials plc (TSX-V: FLCN) (OTCQB: FLCNF) (“Falcon” or the “Company”) today announced that, pursuant to its Stock Option Plan and subject to regulatory acceptance, the Company has granted 3,273,154 incentive stock options to officers, directors and consultants of the Company, subject to vesting provisions. These options will be exercisable at a price equivalent to the closing price of the common shares of the Company on the T ...

Core Insights - Attorneys general from seven states are initiating an inquiry into buy now, pay later lenders, which include companies like Affirm, Klarna, and PayPal [1] Group 1 - The inquiry targets the practices of buy now, pay later lenders, indicating potential regulatory scrutiny in the industry [1] - The involvement of multiple states suggests a coordinated effort to address concerns related to consumer protection and lending practices [1] - Companies such as Affirm, Klarna, and PayPal may face increased oversight and potential legal challenges as a result of this inquiry [1]

Klarna Group (NYSE:KLAR) is one of the best new stocks to invest in. On November 27, Klarna announced a new multi-market partnership with Lufthansa Group, Europe’s leading airline group. This agreement was facilitated by Klarna’s integration with Adyen, a financial technology platform. The collaboration reflects the growing global demand for smarter and more flexible ways to pay for travel. The stock tickers mentioned are KLAR and ADYEY. Beginning in November, Lufthansa Group customers gained the ability ...

Core Insights - Stanford University is offering a popular course titled "Modern Software Developer," which encourages students to use AI tools instead of writing code by hand, reflecting a shift in computer science education [3][12][29] - The job market for entry-level software engineers is facing significant challenges due to the rise of AI, with a projected 20% decline in employment for developers aged 22 to 25 by mid-2025 compared to the peak in late 2022 [8][10][12] - Tech giants are increasingly relying on AI for coding tasks, with estimates suggesting that up to 30% of code at Microsoft and 50% at Meta could be generated by AI by 2026, fundamentally altering hiring practices [13][14][17] Group 1 - The course at Stanford aims to teach students how to program without writing code, highlighting a new approach to software development education [3][12] - There is a growing concern among students about their job prospects in a market increasingly dominated by AI, leading to anxiety about the value of their degrees [4][20] - The trend indicates that companies are prioritizing experienced developers over entry-level candidates, as AI tools can perform many tasks previously done by junior programmers [10][12] Group 2 - Major tech CEOs have openly discussed the impact of AI on their workforce, with statements indicating that AI is becoming a substitute for many coding roles [13][14][17] - The concept of a "super engineer" is emerging, where the ability to effectively utilize AI tools becomes more valuable than traditional coding skills [21][25][29] - The job landscape is shifting towards roles that require human judgment and creativity, as opposed to purely technical coding tasks, suggesting a need for adaptation among new graduates [30][32]

Core Insights - Sezzle is positioned in the buy now, pay later (BNPL) market, which is expected to experience strong growth over the next 7 to 10 years, benefiting all players in the space [2][17] - The company differentiates itself by focusing on credit building for younger, mid to low-income customers, which is a significant market segment in the U.S. [15][18] Company Background - Sezzle was co-founded by Charlie Youakim, who transitioned from a previous mobile payment company called Passport to focus on retail payments and BNPL after recognizing its potential [4][7] - The company initially faced challenges in the mobile payment space but pivoted to BNPL, which has since seen rapid growth [7] Market Dynamics - The BNPL market is characterized by a rising tide that benefits all players, with Sezzle aiming to capture a larger market share through innovation and competition [17] - Sezzle's customer base primarily consists of younger individuals who are more likely to use BNPL as a budgeting tool, contrasting with traditional credit card users who may face debt cycles [9][12] Financial Performance - Sezzle maintains strong gross margins, with a principal loss rate (PLR) of about 2% and top-line revenue percentage around 11%, indicating resilience even in economic downturns [12] - The company can quickly adjust credit limits and stop further credit extensions in response to customer financial difficulties, providing a safety net that traditional credit cards do not offer [12] Customer Usage - Sezzle's customers are increasingly using the service for essential purchases, moving beyond initial categories like beauty and fashion to include general retail [13] - The average transaction amount for Sezzle is in the low hundreds, significantly lower than typical credit card balances, which can average around $6,000 [10] Competitive Landscape - Sezzle competes with established players like Klarna, Afterpay, and PayPal, but believes that the market is still in its early stages, allowing for multiple successful players [17] - The company emphasizes its unique offerings, such as credit building and open-loop products, which allow customers to use Sezzle at various retailers without being tied to specific merchant websites [15][18]

Core Insights - Klarna has launched its own stablecoin, KlarnaUSD, as a strategic move into the cryptocurrency space following a disappointing earnings report that saw its stock price fall below its $40 IPO price despite record revenue [3][4] - The stablecoin is pegged to the U.S. dollar and aims to serve as a digital dollar for payments, developed in collaboration with partners like Stripe and Paradigm on a new blockchain called Tempo [4][5] - Klarna's initiative is designed to address margin pressures highlighted in its recent financial report, where Q3 revenue reached $903 million but net losses widened to $95 million due to a $235 million provision for credit losses [5][6] Strategic Objectives - The launch of KlarnaUSD is intended to fundamentally improve long-term profitability by reducing operational costs and challenging traditional payment processing models [8] - Klarna aims to disrupt the $120 billion cross-border payments market, leveraging its extensive global user and merchant network to create a significant impact in the financial industry [7][9] - The stablecoin initiative is a calculated, long-term strategy to enhance the efficiency of Klarna's financial infrastructure, rather than merely introducing a new product [4][6]

Core Insights - Lufthansa Group has partnered with Klarna to offer flexible payment options for travelers, allowing them to pay in full, pay later, or pay over time [2][3][4] - The rollout of these payment options began in mid-November across the United States and nine European countries, with plans to expand to all network airlines by the end of Q2 2026 [2][4] Company Strategy - The partnership aims to enhance customer experience by providing greater choice and flexibility in payment methods, aligning with Lufthansa Group's focus on customer needs [4] - Klarna's integration with Adyen, a FinTech platform, is expected to deliver a smooth and flexible checkout experience for Lufthansa Group customers [3][4] Market Trends - A PYMNTS Intelligence report indicates that 8% of consumers used buy now, pay later (BNPL) options for travel expenses in the past three months, highlighting a growing trend towards flexible payment solutions in the travel industry [5] - The convenience of the application process is a significant factor influencing consumers' decisions to use BNPL, with 7% citing it as the most influential reason [5]

klarna ceo guy is cool w/ me, & they're building their own stablecoin!Sebastian Siemiatkowski (@klarnaseb):OK, to be fair @baltic_dan s tweet outcompeted Ansems now... over 10 m!No battle I hope! 🫦 Just sharing:BNPL:60 days fixed installments,0% interestAvg. loan: $100. Active choice debit/creditCredit cards:Revolving debt forever,30% interest.Avg. loan: $4000. All on credit ...