Finland offers a state of the art digital authentication system. It's just that Klarna doesn't want to use it because it adds an auhtentication step to their checkout process. It's just easier for them to take the random internet user's word for who they are (!!).
I am not sure how this is even legal under the PSD2 in EU. It might not be. But Klarna does not seem to care, and I really hope someone will take them to court over this.
