Klarna sees real potential in capping credit card interest rates—and they're not shy about calling it a consumer victory. The fintech disruptor is actively pushing the narrative that the traditional credit card industry desperately needs shaking up. When you look at predatory APRs bleeding consumers dry, limiting that rate ceiling could genuinely shift the game. That's the angle Klarna's leadership is taking: position themselves as the financial innovation force ready to demolish outdated credit models while everyone else profits off sky-high rates.