Oddbean new post about login | logout Have they normalised that data to account for the number of BNPL deals available to each user in each country? Might simply be more BNPL deals in Sweden and Australia thereby introducing statistical bias.
Could be yes, if as the other commentor says AfterPay is AUS and Klarna is Swedish, they probably have better integration with retailers to push it as a payment option, but even then, the product is after a certain type of user, I assume credit cards are not supporting? https://www.bis.org/publ/qtrpdf/r_qt2312e.htm