Revamped their approval process to focus on credit history which defeats the purpose for most people who use these services. Obviously Klarna would not exist if not for people with less than perfect credit. They are the customer base that brought Klarna to the level they are now. Klarna forgot where they came from and turned their backs on the people who built their empire. I bet Klarna sees a major drop in their customer base and profit margins. They deserve it.