Klarna is on track to post its first billion-dollar quarter in Q4, fueled by rapid expansion in the U.S. market. Key factors include a significant increase in card usage and enhanced productivity thanks to artificial intelligence. The company reports that its revenue per employee has tripled in the last two years, while operating expenses have only grown by two percent. Despite the positive growth, concerns about profitability linger. A comment from a Finextra member highlights the risks associated with attracting customers who might not be reliable in repaying loans. The member points out that if Klarna’s strategy relies heavily on buy-now-pay-later customers, it could face challenges covering potential credit losses. The ability to balance high revenue with sound credit risk management will be critical for Klarna as it continues to expand.