It's called Klarna. It's not just a shopping app, its a bank.<p>> Search for Klarna on TikTok and you’ll find young people making light of the debt they’ve racked up using the wildly popular “buy now, pay later” app.<p>Just because you can 'buy it now' doesn't mean you can 'afford it' later.<p>I can see Klarna becoming the biggest debt collector in the industry since they cleverly targeted their service to an audience and a new generation that loves instant gratification and can't afford to pay back the debt.