Core Insights - Klarna is expanding its card offering into 15 new European markets through a partnership with Marqeta, utilizing Visa's Flexible Credential technology to provide consumers with flexible payment options [2][3] Company Expansion - The Klarna Card is now being launched in the United Kingdom, Denmark, Germany, Norway, and Poland, in addition to its existing availability in the U.S. and several other European countries [4] Consumer Experience - Klarna aims to simplify everyday spending by combining the features of debit cards with pay-later options, providing a more transparent way for consumers to manage their finances [3] Market Context - The pay-later sector is facing scrutiny due to concerns about consumer debt, but data indicates that a significant majority of buy now, pay later users manage their obligations responsibly [5][6]