I DIDN'T KNOW KLARNA WAS REAL MONEY!

@zacrios

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SoundTikTok sound · original sound - zacrios

Promoted product

Klarnaklarna.com

Klarna is a buy now, pay later service that allows customers to finance purchases, including a program for leasing Apple products like iPhones.

9 videos8 creators

Why it worked

The video likely resonated due to the relatable shock and confusion surrounding 'buy now, pay later' services like Klarna, tapping into a common financial anxiety and sparking discussion about alternative payment methods like Apple Pay.

Summary

The video discusses the payment service Klarna, with a clip of someone expressing shock that it involves monthly payments and takes a percentage off the price. The creator then explains that Apple Pay uses Apple's money, not the user's, and that when a credit card is connected to Apple Pay, the money is sourced from the credit card.

Structure

1Shock at Klarna's payment structure
2Creator's commentary on buy-now-pay-later trends
3

Original caption

For Full Episodes Check Out My YouTube Channel 🎥 Zac Rios #money #debt #finance #klarna #broke

More from @zacrios

Product placement

Klarna: Klarna is a payment service that allows customers to buy now and pay later. It is mentioned and discussed as a way to pay for purchases. Its functionality is questioned and debated in the video. (ACTS) - Removing Klarna would fundamentally change the topic of the video. Apple Pay: Apple Pay is a mobile payment and digital wallet service. It is discussed as an alternative to Klarna and its functionality is debated. (ACTS) - Removing Apple Pay would change the discussion about payment methods. TikTok: TikTok is a social media platform where the original clip was posted. (APPEARS) - Removing TikTok would not change what happens in the video, it is just the platform where the content originated.

On-screen text

I DIDN'T KNOW KLARNA WAS REAL MONEY! FLARNA CHARGES EVERY MONTH? WHO WAS GONNA TELL ME THIS? I THOUGHT IT TOOK 70% OFF THE PRICE. LAPTOP, I BOUGHT ALL NEW FURNITURE. I DON'T KNOW PAY NEXT MONTH. I, I THINK I'M GONNA HAVE TO DECLARE BANKRUPTCY. OKAY, SO I WASN'T SERIOUS, BUT FROM THE AMOUNT OF BUY NOW, WE'VE SEEN ON THIS CHANNEL, THAT THERE ARE WHO LEGITIMATELY THINK THIS WAY. WE CAN'T BE SERIOUS NOW. JUST USE APPLE PAY. IT DOESN'T USE YOUR MONEY, IT USES APPLE MONEY, AND IT'S GIVING. APPLE PAY IS REAL MONEY. IF THAT CLIP BEFORE, IT'S SOMETHING VERY WE COULD TAKE A LOOK RIGHT NOW. APPLE PAY, HONESTLY, CAREFUL. UM, LITTLE EMBARRASSING TO ADMIT, BUT IF THIS COULD HELP ONE PERSON, THEN I'M REALLY WILLING TO SHARE WHAT MY EXPERIENCE WAS. UM, I'M JUST GONNA LAY IT OUT LIKE THIS. APPLE PAY, THAT'S REAL MONEY. THAT'S TRUE AMERICAN DOLLARS FROM YOUR CREDIT CARD. YOU HAVE YOUR CREDIT CARD CONNECTED, THAT'S WHERE THE MONEY IS BEING SOURCED FROM. IT'S NOT LIKE A SPECIAL FORM OF APPLE PAY. APPLE DOLLARS. WHY THEY DON'T JUST SAY, THIS IS REAL MONEY WHILE YOU'RE PAYING, I DON'T KNOW.

Transcript

Klarna charges every month? Who was gonna tell me this? I thought it took 70% off the price. Laptop, I bought all new furniture. I don't know, pay next month. I, I think I'm gonna have to declare bankruptcy. Okay, so I wasn't serious, but from the amount of buy now, pay later clips we've seen on this channel, that there are who legitimately think this way. We can't be serious now. Just use Apple Pay. It doesn't use your money, it uses Apple money, and it's giving. Apple Pay is real money. If that clip before, it's something very we could take a look right now. Apple Pay, honestly, careful. Um, this is a little embarrassing to admit, but if this could help one person, then I'm really willing to share what my experience was. Um, I'm just gonna lay it out like this. Apple Pay, that's real money. That's true American dollars from your credit card. You have your credit card connected, that's where the money is being sourced from. It's not like a special form of Apple Pay. Apple dollars. Why they don't just say, this is real money while you're paying? I don't know.