Historically, payment has been defined merely as a "last step" in the buying journey \u2014 the aftermath of the immersive and exciting elements that make a brand or retailer stand out. Klarna is changing that; the "buy now, pay later" company was recently valued at $10.65 billion in an investment round led by Silver Lake and garnered investment from Macy's. Klarna also has an impressive roster of brand and retailer partners in its corner, and coupled with partnerships with the likes of Cosmopolitan, these relationships point to Klarna's evolution from a B2B fintech company to an end-to-end B2C experience provider.