The strategic shift positions Klarna less as an installment lender and more as a multi-product financial network monetizing cross-sell dynamic.Klarna’s earnings highlight a banking flywheel where checkout activity, cards and deposits reinforce one another.Klarna’s fourth-quarter results offer a snapshot into the appeal of paying over time. They also provide a window into the mechanics of a rapidly scaling financial network, where checkout activity, cards and deposits increasingly reinforce one another.By co ...