Klarna BNPL

Introduction to Klarna BNPL

What is Klarna?

Klarna is a prominent financial technology company, founded in Sweden in 2005, that specializes in providing alternative payment solutions. The company revolutionized the way consumers shop online by introducing the concept of Buy Now, Pay Later (BNPL). With Klarna, shoppers can make purchases instantly without needing to pay upfront, allowing for greater flexibility in managing finances. Imagine wanting to buy that trendy jacket you’ve been eyeing but realizing your monthly budget is tighter than usual. With Klarna, you can grab the jacket, wear it now, and postpone the payment without any hassle. This buying experience has led to Klarna emerging as a leader in the BNPL sector, earning the trust of millions worldwide. Klarna's user-friendly interface and innovative features, such as personalized shopping recommendations and customer reviews, make it a seamless experience for shoppers. It provides a shopping app that consolidates all shopping activities, helping customers stay organized. With partnerships with numerous retailers across various sectors, Klarna is accessible virtually everywhere you shop, both online and in-store.

Understanding Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is a payment option that allows consumers to purchase items immediately and pay for them over time, typically in installments. This service has gained immense popularity as it provides better financial flexibility, especially among younger consumers who prefer to manage their cash flow more efficiently. How does BNPL work? Here’s a simplified breakdown:

Immediate Purchase: Shoppers can instantly buy products without paying the full amount upfront.
Flexible Payment Plan: Users can choose how they want to pay—whether it's in a few weeks, over several months, or via automatic deductions.
No Hidden Fees: Often, as long as payments are made on time, many BNPL services do not charge interest—making it a cost-effective alternative.

Many people enjoy the benefits of BNPL because it allows them to spread out expenses for larger purchases, thereby avoiding buyer's remorse and promoting a practical approach to spending. For instance, someone may decide to furnish their new apartment using Klarna's BNPL option. By doing so, they can enjoy their new sofa and dining table without the immediate financial burden, making the transition to a new living space smoother. However, while BNPL offers significant advantages, it is crucial for consumers to stay vigilant about their spending. This service can be double-edged, leading to impulse purchases. To avoid falling into a trap of endless debt, shoppers should practice responsible buying, setting a budget for themselves and sticking to it. Here are some tips to consider when using BNPL:

Plan Purchases: Understand your financial situation and determine what you can realistically afford.
Set Reminders: Utilize calendar reminders for payment due dates to avoid late fees.
Limit Usage: Try to use BNPL for essential purchases rather than impulse buys, keeping your financial health in check.

In summary, Klarna has successfully transformed the shopping experience by integrating Buy Now, Pay Later into everyday transactions. This approach not only helps customers manage their finances effectively but also enhances the overall shopping experience. By understanding how Klarna integrates BNPL, consumers can make informed choices that benefit their purchasing power while preserving financial well-being.

How Klarna BNPL Works

Step-by-Step Guide

Using Klarna's Buy Now, Pay Later (BNPL) option is an effortless experience that can change the way shoppers approach financing. To help you understand the process, here’s a simple step-by-step guide to navigate Klarna BNPL with ease:

Select Your Items: Start by browsing online or in-store and choose the products you want to purchase. Imagine spotting that perfect dress online; you're just a few clicks away from owning it!
Choose Klarna at Checkout: When you're ready for checkout, look for the Klarna payment option. It will typically be prominently displayed alongside other payment methods.
Create or Log into Your Klarna Account: If you're new to Klarna, you’ll need to sign up. This process is straightforward—just enter your details, and you’re on your way. Existing users simply log in to their account to kick off the transaction.
Select Your Payment Plan: Klarna offers various payment options. You can choose to pay in full after a short period (like 14 days) or split your total into smaller, manageable payment installments over a few months. This flexibility is one of the significant draws for users.
Complete Checkout: After selecting your payment plan, proceed to complete your purchase. Klarna will cover the costs immediately, allowing you to receive your products quickly.
Track Your Payments: Once the transaction is finalized, keep track of your payment due dates through the Klarna app. It provides timely notifications and a clear overview of your outstanding balances, ensuring you don’t miss any payments.
Enjoy Your Purchase: With everything set, you can now enjoy your new items while managing your payments effortlessly!

This smooth and simple four-step process is what sets Klarna apart from traditional financial services, making it particularly appealing to shoppers looking for flexibility.

Benefits of Using Klarna BNPL

Opting for Klarna’s BNPL option comes with several benefits that cater to a diverse range of shopping habits. Here are some of the most noteworthy advantages:

Instant Gratification: Shoppers can snag items they desire right away without needing to pay in full upfront. This instant access allows consumers to enjoy their purchases immediately.
Budget-Friendly: Purchasing high-ticket items becomes manageable. For example, instead of draining your savings to buy a new laptop, you can spread the payments over several months—helping you budget better without sacrificing essential purchases.
No Interest Charges (If Paid on Time): One of the biggest selling points of Klarna BNPL is that, as long as payments are made on schedule, there are generally no interest fees. This helps the customers avoid the pitfalls associated with traditional credit cards.
User-Friendly App: The Klarna app enhances the shopping experience by allowing users to track orders, manage payments, and even find deals from their favorite retailers—all in one place.
Flexible Payment Options: Klarna offers various payment plans tailored to different financial situations. From short-term plans to longer installments, these options allow consumers to choose what fits their life best.
Enhanced Shopping Experience: By providing options for payment and even personalized shopping recommendations, Klarna creates a seamless shopping environment. Whether you're looking for a gift or treating yourself, the process feels more enjoyable and less stressful.

For example, consider Maria, who recently moved to a new home. Instead of feeling pressured to buy all her furnishings at once, she utilized Klarna to purchase a new couch and a dining table, spreading payments over several months. This strategic move not only furnished her home beautifully but also allowed her to enjoy her new space without feeling financially strained. In summary, Klarna's BNPL service not only simplifies the shopping experience by providing manageable payment solutions but also promotes responsible spending habits. The easy navigation process combined with its numerous benefits makes Klarna a preferred choice for consumers looking to maximize their purchasing power while minimizing financial stress.

Klarna BNPL vs Traditional Credit Cards

Key Differences

When it comes to financing purchases, consumers often face a choice between using Klarna's Buy Now, Pay Later (BNPL) service and traditional credit cards. Understanding the key differences between these two options can help shoppers make informed financial decisions.

Payment Structure:
- Klarna BNPL: With Klarna, payments are typically structured into short-term installments, often without interest if paid on time. This can range from a few weeks to a few months, depending on the chosen plan.
- Traditional Credit Cards: Credit cards offer revolving credit, which allows users to spend up to a certain limit and only pay a minimum amount each month. However, this also means accruing interest on any remaining balance beyond the payment.
Interest Rates:
- Klarna BNPL: Generally, Klarna does not charge interest fees as long as payments are made within the agreed timeframe. This makes it an attractive option for budget-conscious consumers.
- Traditional Credit Cards: Credit cards often come with higher interest rates, which can significantly increase the total payment amount if the balance isn’t paid in full each month.
Credit Scores:
- Klarna BNPL: When signing up for Klarna, its payment solutions typically involve a soft credit check, which does not impact your credit score. This makes it easier for those with less-than-perfect credit to access payment flexibility.
- Traditional Credit Cards: Credit card companies usually conduct hard credit checks, which can affect your credit score and may limit access to useful credit options if your score is low.
Fees:
- Klarna BNPL: While Klarna aims to minimize fees, late payments can incur fees. However, as long as you stick to the schedule, costs remain predictable.
- Traditional Credit Cards: Credit cards often include various fees such as annual fees, late payment fees, and over-limit fees, making costs less predictable.
Purchasing Power:
- Klarna BNPL: While Klarna does provide purchasing power, it may not be the same as a credit card limit, as it typically offers set amounts based on the purchase and the user's financial history.
- Traditional Credit Cards: Credit cards usually offer a higher credit limit, providing more flexibility for substantial purchases.

Pros and Cons Comparison

To illustrate the strengths and weaknesses of Klarna BNPL versus traditional credit cards, let’s take a look at a concise pros and cons comparison.

Feature	Klarna BNPL	Traditional Credit Cards
Pros	- No interest payments if paid on time	- Wider acceptance across various merchants
	- Flexible short-term payment plans	- Higher credit limits available
	- Minimal impact on credit score	- Builds credit history with responsible use
	- Simple, user-friendly interface	- Offers rewards and cashback on purchases
Cons	- Limited to participating merchants	- Interest rates can accumulate quickly
	- Some fees for late payments	- Hard inquiries negatively impact credit score
	- Not suitable for larger, urgent expenses	- Can lead to overspending and accruing debt

For instance, take Jamie, a recent college graduate. Jamie decided to purchase a new laptop for school and was torn between using Klarna or a credit card. Opting for Klarna, Jamie appreciated the ability to split the payments over three months without interest, keeping within budget. In contrast, a credit card would have allowed for larger purchases, but Jamie realized the accumulation of interest could lead to higher costs in the long term. Both Klarna BNPL and traditional credit cards have their place in personal finance. Ultimately, the decision comes down to individual financial habits, spending patterns, and needs. By weighing these pros and cons, shoppers can choose the option that best aligns with their purchasing behavior and financial goals. This informed approach ensures that consumers can navigate their financial choices with confidence, making the most out of their shopping experiences while staying within their means.

Popular Retailers Accepting Klarna BNPL

Fashion Brands

When it comes to shopping for the latest trends in fashion, Klarna’s Buy Now, Pay Later (BNPL) option has made it easier for style enthusiasts to snag their favorite pieces without the immediate financial burden. Many well-known fashion retailers have embraced Klarna, making it a popular choice among consumers looking to refresh their wardrobes. Here are some popular fashion retailers that accept Klarna BNPL:

ASOS: A global fashion destination for young shopping enthusiasts. ASOS offers thousands of brands and styles, all available with Klarna’s BNPL payment option, making online shopping a breeze.
Zara: Known for its chic and trendy clothing, Zara allows customers to shop the latest items, from stylish dresses to tailored suits, while deferring payments with Klarna.
H&M: This high-street favorite knows how to cater to consumers on a budget. H&M’s inclusion of Klarna gives shoppers the flexibility to fill their carts without the pressure of immediate expenses.
Urban Outfitters: Boasting a unique selection of bohemian clothing and accessories, Urban Outfitters is a go-to for fashion lovers. Klarna's BNPL feature ensures shoppers can enjoy their finds without breaking the bank.
Nike: Let’s not forget athletic wear; Nike’s collaboration with Klarna means that fitness enthusiasts can purchase all their gear and apparel upfront. Whether it’s running shoes or gym wear, Klarna helps spread out those payments.

Klarna is particularly advantageous for those who love to experiment with their style. It allows consumers to shop more freely—imagine mixing and matching outfits without the worry of immediate costs! Take Lisa, for instance. She wanted to completely revamp her wardrobe before summer. Using Klarna, she was able to purchase multiple pieces from several stores at once without incurring a hefty bill right away. This way, she could try everything on, keep what suited her best, and return the rest without financial strain.

Electronics Stores

In addition to fashion, Klarna has also partnered with numerous electronics retailers, providing customers with innovative gadgets and technology solutions without the immediate financial impact. Here's a look at some prominent electronics stores that accept Klarna BNPL:

Best Buy: A leading retailer in consumer electronics, Best Buy offers a wide array of products, from laptops to kitchen appliances. Klarna's presence allows customers to buy the latest tech without fronting the entire cost upfront.
Apple: Shopping for Apple products, such as the latest iPhone or MacBook, can be a significant investment. With Klarna, users can break these purchases into manageable payments, making it a little easier to own the latest technology.
Samsung: From televisions to smart home devices, Samsung products are highly sought after. With Klarna, customers can keep up with technological trends without draining their wallets in one go.
Newegg: Known for its extensive selection of computer hardware and software, Newegg users can opt for Klarna to finance their high-end gaming systems or necessary tech upgrades.
Dell: For those looking to purchase computers or laptops, Dell’s integration of Klarna allows tech-savvy shoppers to keep their finances in check while buying the latest models.

When it comes to electronics, using Klarna BNPL can be a game-changer. Consider Sam, who recently graduated and needed a new laptop for work. The price tag on the model he wanted was daunting. Using Klarna, Sam bought the laptop immediately and can spread the payments over four months. It not only simplified his purchase but kept him from dipping into his savings account, allowing for a smoother transition into his post-graduation life. In conclusion, Klarna’s popularity continues to grow across a wide array of retailers, making it easier for consumers to make purchases both in fashion and electronics. The ability to defer payments allows shoppers to own their desired items and enjoy the benefits of purchasing without immediate costs, making Klarna an appealing payment option for many.

Klarna BNPL Eligibility Criteria

Requirements

If you're considering using Klarna's Buy Now, Pay Later (BNPL) option for your shopping, it's essential to understand the eligibility criteria. Klarna aims to make its services accessible while ensuring responsible lending practices. Here are the key requirements that you should keep in mind:

Age: You must be at least 18 years old to use Klarna BNPL. This includes a commitment to ensure that users are of legal age to enter into financial agreements.
Location: Klarna operates in several countries, and eligibility can vary based on your location. Typically, you need to reside in a country where Klarna is available, such as the United States, United Kingdom, Sweden, and others.
Payment Method: To activate Klarna's BNPL features, users must have an active payment method, like a debit or credit card, to facilitate the purchase. This is essential for Klarna to process the deferred payments.
Creditworthiness: While Klarna does not impose a strict credit score requirement, they conduct a soft credit check to assess your financial history. This helps determine your eligibility for their services without negatively impacting your credit score.
Account in Good Standing: If you’ve previously used Klarna, it’s important that your account is in good standing. This means no late payments or outstanding balances can affect your ability to use their BNPL service again.

For example, consider Mark, a university student who loves to shop for the latest tech. He was excited to use Klarna to grab a new tablet for school. Mark met all the requirements—he was 19, had his own bank account, and didn’t have any issues with past payments. After his successful registration, he was ready to start shopping!

Approval Process

Understanding the approval process for Klarna BNPL is crucial for those interested in utilizing this payment option. The process is designed to be quick and hassle-free, minimizing any delays while ensuring responsible lending. Here's a step-by-step look at how it works:

Select Klarna at Checkout: When shopping online or in-store, choose Klarna as your payment method during checkout. This option will be visible among the various payment methods available.
Account Creation/Login: If you're a first-time user, you'll need to create an account. This process typically takes just a minute or two. Existing users can simply log in with their credentials.
Personal Information: After logging in or signing up, Klarna will request some personal information, such as your name, mailing address, and date of birth. This information will help clarify your identity and eligibility.
Soft Credit Check: Klarna performs a soft credit check to evaluate your creditworthiness. This is a quick process, and there’s no impact on your credit score. Unlike traditional lenders, Klarna does not store the result of this inquiry in your credit profile.
Review Payment Options: Once your information is processed, Klarna will present you with the available payment options based on your eligibility. You may be offered a one-time payment plan or several installments, depending on your financial situation.
Approval Confirmation: After reviewing the options, you’ll receive an immediate approval or denial response. If approved, you can proceed to complete your purchase seamlessly.
Payment Schedule: If successful, Klarna will outline the payment schedule and provide reminders for when payments are due, ensuring you stay on track.

Take the example of Sarah, who wanted to buy a stylish new pair of boots online. After selecting Klarna at checkout, she quickly filled out her information. The approval process flew by, and within minutes, she was notified that her purchase had been approved with a three-month payment plan. This convenience allowed her to nab the boots she wanted without the stress of an immediate payment. In summary, Klarna's BNPL eligibility criteria and approval process are designed to be straightforward and user-friendly. By understanding these requirements, shoppers can confidently navigate the world of modern financing, empowering them to make purchases that align with their financial capabilities. With Klarna, consumers have a valuable tool at their disposal, facilitating purchases while prioritizing responsible spending.

Managing Payments with Klarna BNPL

Setting Up Auto Pay

One of the biggest challenges of managing payments is remembering due dates. Fortunately, Klarna makes it simpler to stay on top of your finances with its Auto Pay feature. Setting up Auto Pay can eliminate the worry of missing deadlines and accruing late fees. It’s a straightforward process designed to keep your shopping experience stress-free. Here’s how to set it up:

Login to Your Klarna Account: Start by logging into your Klarna account through the app or website.
Navigate to Payment Settings: Once logged in, head to the payment settings option. Here, you’ll find various options for managing your payment preferences.
Select Auto Pay: Look for the Auto Pay feature. This lets you authorize Klarna to automatically deduct payments from your linked bank account or credit card on the payment due date.
Choose Payment Methods: You’ll need to select which payment method you want Klarna to use for automatic deductions. Ensure that the chosen account has sufficient funds to avoid any issues.
Confirm Setup: Once you've made your selections, confirm the setup. You’ll receive notifications reminding you that payments will be automatically processed.

Setting up Auto Pay can be a game-changer, especially for busy individuals who juggle multiple commitments. For instance, Samantha, a full-time worker and mother, found it difficult to remember payment dates each month. With Klarna’s Auto Pay feature enabled, she never had to worry about missed deadlines and late fees again. Every month, with no added stress, her payments went through seamlessly, allowing her to enjoy her shopping guilt-free.

Payment Extension Options

Life can throw curveballs, and sometimes unexpected expenses can make timely payments a challenge. Klarna understands this and offers flexible payment extension options to accommodate users' evolving financial situations. Here’s how it works:

Availability of Extensions: Klarna typically allows customers to request payment extensions on select purchases. However, eligibility may vary based on prior payment behavior and specifics of your account. If you’ve consistently made on-time payments, you might qualify for extensions easily.
How to Request an Extension: If you find that you need a little extra time, simply log into your Klarna account. Navigate to the payment details for the specific purchase you wish to extend, and look for the option to request an extension.
Choose the Extension Length: Klarna may offer different extension lengths (for example, an extra week or additional month). Select the one that fits your needs best.
Review and Confirm: After choosing your desired extension period, review the terms and conditions. It’s important to understand that while extensions can be helpful, they might come with additional fees or affect future borrowing power.
Notification of Changes: Once confirmed, Klarna will send you a notification confirming the new payment date. This will help you plan your budget accordingly.

Using payment extensions can help alleviate the financial pressure that sometimes accompanies unexpected expenses. For example, Mike had planned to pay off his winter coat purchase on time, but an unexpected car repair threw a wrench into his plans. By utilizing Klarna’s payment extension feature, he extended the payment deadline by a month. This relief allowed him to manage his cash flow better without incurring any penalties. In conclusion, managing payments through Klarna BNPL is made easier with features like Auto Pay and payment extensions. These options empower consumers to take control of their finances and shop confidently without the fear of financial pitfalls. By effectively utilizing these tools, users can enjoy a seamless shopping experience, allowing them to focus on what they love while maintaining peace of mind regarding their financial obligations. Whether you're setting up automatic payments to simplify your life or extending a deadline to accommodate your financial needs, Klarna is designed to enhance your shopping experience and provide flexibility tailored to your lifestyle.

Klarna BNPL Fees and Charges

Interest Rates

One of the significant advantages of using Klarna's Buy Now, Pay Later (BNPL) service is the way it handles interest rates. Unlike traditional credit cards that can carry hefty interest charges over time, Klarna offers a straightforward, user-friendly approach to payments that appeals to many consumers.

No Interest for Timely Payments: Klarna’s BNPL option generally allows users to avoid interest charges entirely as long as they pay their installment amounts on or before the due dates. This is a breath of fresh air for many, especially for those who are wary of accruing debt through high-interest rates typical of credit cards.
Late Payments and Interest: If payments are not made within the specified timeline, users might encounter interest charges on the remaining balance. It's important to read the fine print associated with your BNPL agreement carefully. The terms can vary based on the selected payment plan and the specific retailer.
Supplemental Options: Klarna also offers various payment plans that come with different rules. Some options may yield a longer repayment term, while others provide flexibility and potentially lower or no interest, depending on your history with Klarna.

For instance, Jenna recently bought a trendy pair of shoes through Klarna. She was thrilled to find out that she could spread her payments over six weeks, with no interest as long as she paid on time. This arrangement allowed her to manage her budget effectively, making shopping less stressful and more enjoyable. However, had she missed a payment, the looming possibility of interest charges was a reminder to stay vigilant.

Late Payment Fees

While Klarna’s BNPL model is designed to help consumers avoid debt, it’s still essential to be aware of potential late payment fees. Here’s a breakdown of what you need to know:

Fee Structure: Klarna typically imposes a late fee if you fail to make a payment by the due date. This fee is usually in the range of $7 to $10 per occurrence, depending on your payment plan and the retailer involved. While this may not seem excessive, it can add up if you miss multiple payments.
Grace Period: In many cases, Klarna offers a brief grace period after the due date. This can provide a little breathing room before a fee is charged. However, it’s always wise to check your agreement or the Klarna app for specifics regarding your payment plan.
Impact on Further Use: Continued late payments could also impact your ability to use Klarna’s BNPL services in the future. Klarna wants to promote responsible spending, so patterns of missed payments could limit your purchasing power when shopping later.
Staying Informed: Klarna provides notifications through their app or email regarding upcoming payment due dates and any changes to your account status. These reminders are helpful tools for avoiding those unexpected late payment fees.

For example, consider Tom, who was excited to purchase a new gaming console through Klarna. He set up his payments and had every intention of paying on time. However, when a minor emergency caused him to miss a payment, he received an alert about the late fee. Thankfully, with the grace period in place, Tom was able to make the payment in time and avoid the additional charge. In summary, while Klarna BNPL provides a flexible and accessible payment option, being aware of fees and charges associated with its use is vital. Understanding how interest rates work and the potential for late payment fees helps consumers make informed decisions that fit their financial situations. By staying diligent and informed, shoppers can enjoy all that Klarna offers while avoiding costly pitfalls. Overall, the service is designed to enhance the shopping experience, paving the way for responsible purchasing with fewer surprises along the way.

Consumer Protection with Klarna BNPL

Refund Policies

When using Klarna’s Buy Now, Pay Later (BNPL) service, it’s crucial for consumers to understand the refund policies in place. Shopping online can sometimes lead to disappointment, whether due to size issues, defective products, or simply changing your mind. Klarna provides a structure to make returns as seamless as possible, ensuring you’re protected during your shopping experience.

Return Process: If you need to return an item purchased through Klarna, the first step is to initiate the return process with the retailer. Each retailer will have its own return guidelines, which may include timeframes for returns (typically between 30-90 days) and the required method for returning items (e.g., in-store or via mail).
Refunds and Klarna: Once the retailer processes your return and issues a refund, Klarna will automatically adjust your payment schedule based on the refund amount. If you’ve already made payments toward your purchase, Klarna will either credit your account or refund you directly to the original payment method used for the transaction.
Notification of Changes: After a successful return, Klarna will notify you via the app or email about the adjusted payment status. This ensures you’re always aware of how your account balance is impacted, making budgeting easier.

For instance, imagine Emily buying a beautiful dress for an event through Klarna. After trying it on at home, she decided it wasn’t quite right. Following the store’s return policy, she shipped the dress back and shortly received a notification from Klarna confirming that her payments would be adjusted based on the refund. This smooth handling allowed her to move on without financial stress.

Dispute Resolution Process

Occasionally, shopping experiences can lead to disputes, whether they’re due to incorrect charges, defective items, or failure to deliver products as promised. Klarna values customer satisfaction and has set up a robust dispute resolution process to handle such issues.

Initiating a Dispute: If a dispute arises, the first step involves contacting the retailer directly. Klarna encourages consumers to resolve issues at the store level whenever possible, as many retailers have their own policies and can handle disputes efficiently.
Klarna’s Role: If the retailer does not resolve the issue to your satisfaction, you can escalate the dispute to Klarna. Through your Klarna account, you can submit a dispute regarding charges or unresolved matters. Make sure to provide all pertinent details surrounding the issue, including order numbers, dates, and any communication with the retailer.
Time Frame for Resolution: Klarna will acknowledge your dispute and begin the investigation. They aim to respond quickly, usually within a few days, depending on the complexity of the matter. Forexample, if you received a damaged item and your claim is straightforward, it might be resolved promptly.
Communication Through the App: Throughout this process, Klarna conveys important updates regarding your dispute and will notify you once a conclusion has been reached. They often have a dedicated customer support team to assist with specific queries and ensure clarity in communication.

For example, let’s say Mike ordered a new camera lens, but it arrived with noticeable damage. After contacting the retailer and receiving no response, he took the issue to Klarna through the app. After he submitted all necessary documentation, Klarna filed a dispute on his behalf and kept him informed during the process. Eventually, the issue was resolved, and Mike received a prompt refund for his damaged purchase. In conclusion, Klarna BNPL not only provides an alternative payment method but also places significant emphasis on consumer protection. Understanding refund policies and the dispute resolution process ensures that shoppers can feel confident in their purchases, knowing there are safeguards in place should challenges arise. By being knowledgeable about these aspects, consumers can shop with peace of mind, navigating the BNPL landscape with assurance that they are supported throughout their purchasing journey.