.Acquire right now, wages later organizations like Klarna and Block's Afterpay may be ready to face tougher regulation in the U.K.Nikolas Kokovlis|Nurphoto|Getty ImagesFinancial innovation agency Klarna is pressing deeper right into financial with its very own checking account-like item and a cashback offering that awards individuals for shopping using its app.The company u00e2 $" most effectively known for its buy right now, income later car loans that let buyers pay for investments using interest-free monthly installments u00e2 $" pointed out Thursday that it is launching the brand-new items as it looks for to "interfere with retail financial" and also urge consumers to relocate their investing as well as saving onto its system." These brand-new items create it less complicated for clients to take care of several planned repayments, assisting our customers utilize Klarna for more regular purchases and also driving loyalty," Sebastian Siemiatkowski, Klarna's CEO and also creator, said to CNBC.Siemiatkowski claimed that Klarna desires to "sustain all consumers along with their day-to-day costs," adding that the items will definitely allow individuals to "earn money while they shop and manage it in a Klarna profile." The two brand-new items, which are being actually presented in 12 markets featuring the united state and also around Europe, are going to show up in the Klarna application as "harmony" and also "cashback." Klarna harmony allows consumers keep money in a bank-like personal profile, which they can after that make use of to create instant purchases as well as pay off their purchase now, wages later loans.Users can easily also get refunds for returned products directly in their Klarna balance.Cashback uses customers the capacity to earn as much as 10% of the market value of their acquisitions at getting involved retailers as rewards. Any type of loan gained receives immediately kept in their balance account.It's not Klarna's very first invasion in to even more typical banking the business has offered examining accounts as well as cost savings items in Germany since 2021. Right now, the business is actually growing these financial items in various other markets.Customers in the EU u00e2 $" where Klarna possesses an official banking company certificate u00e2 $" will definitely manage to make as long as 3.58% rate of interest on their down payments. Consumers in the USA, nonetheless, will certainly certainly not manage to earn interest.The launch signifies a significant improve in Klarna's item array as the fintech huge edges deeper toward a much-anticipated united state IPO.Klarna has yet to set a taken care of timeline for the stock market list. Nonetheless, in a meeting with CNBC's "Closing Alarm" in February, Siemiatkowski claimed an IPO this year was actually "possible."" We still have a handful of actions and also job in front of our own selves," he stated. "However our team're keen on ending up being a social company." Meanwhile, Klarna is in dialogues with clients regarding an indirect portion sale to provide its own employees along with some liquidity, a person familiar with the matter informed CNBC.Klarna's evaluation on the open secondary market is currently in the high-teen billions, claimed the source, that was actually talking on ailment of anonymity as information of the portion sale are not however public.