I don't even know what Klarna does and don't care to look it up. They bought an app that I used to use for managing loyalty cards. Before Klarna bought them, the app would pop the loyalty card into my notifications as soon as I entered the store. When is time to check out the card was right there waiting for me.
After Klarna bought them, the convenient auto-notification went away. Then you'd load up the app and it takes you to a default home page with "Try X", "Special discount on Y, this week only" posted everywhere and none of it related to the store I'm in. The loyalty cards were buried somewhere I had to go find.
So I deleted the app and just use Google Wallet for my loyalty cards. Still no convenient auto notification with the card for the store I'm in, but Wallet is ready enough to get to and isn't plastered with ads.