Operational Excellence (OPEX) Daily Briefing – Tuesday, September 02, 2025: Klarna IPO: A DMAIC Lesson from a “Buy Now, Pay Later” Giant.
Điểm Tin Operational Excellence (OPEX) Mỗi Ngày – Thứ Ba, Ngày 02/09/2025: Klarna IPO: Bài học DMAIC từ một “gã khổng lồ Buy Now, Pay Later”.
Welcome to my unique weekday article for the paid subscriber-only edition.
Operational Excellence (OPEX) Daily Briefing – issued on weekdays (Monday to Friday).
Điểm tin Operational Excellence (OPEX) hằng ngày (phát hành các ngày thứ Hai đến thứ Sáu).
This is the bilingual post in English and Vietnamese. Vietnamese is below.
Đây là bài viết song ngữ Anh-Việt. Tiếng Việt ở bên dưới.
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English:
Who is Klarna, and Why is Everyone Watching?
If you’ve shopped online in the U.S. or Europe, you’ve probably seen the familiar phrase: “Pay in 4 with Klarna” — meaning split your purchase into four interest-free installments. Klarna, a Swedish fintech, is one of the pioneers in the Buy Now, Pay Later (BNPL) industry.
On September 2, 2025, Klarna officially filed for a U.S. IPO, targeting a valuation of $14 billion【Reuters】. This is one of the most anticipated listings of the year, viewed as a crucial test for the entire fintech sector after years of skepticism about BNPL’s default risks.
For SMEs, Klarna’s IPO may seem distant. But behind it lies an essential lesson in Operational Excellence (OPEX): how to turn a risk-heavy business model into a sustainable growth story.