How does Klarna make money? It is one of the most searched questions in fintech — and for good reason. Klarna offers interest-free buy now, pay later (BNPL) loans to millions of consumers, yet in 2025 it generated $3.51 billion...
Author - VAFX
Zelle processed over $1 trillion in payments in 2024 — the first peer-to-peer payment service in history to cross that threshold. It handled more than 5 billion transactions across 151 million enrolled users. In the first half...
If you’ve ever checked out on Amazon, Walmart, or Apple and seen the option to “Pay over time with Affirm — 0% APR,” you’ve probably asked yourself: how does a financial company make money lending for...
In May 2023, Netflix did something every analyst predicted would be catastrophic: it told roughly 100 million households that had been freeloading on shared passwords that the party was over. The internet revolted. Memes...
No business story in the last decade captures the extremes of venture-fueled ambition — and its consequences — quite like WeWork. In 2019, WeWork was the most valuable startup in the United States, valued at $47 billion...
In early 2020, Zoom was a B2B software tool that most people had never heard of. By the end of that year, it was a verb. “Let’s Zoom” entered the language in a way most technology companies spend decades trying...
What started as a hackathon side project at Square in 2013 is now one of the most powerful consumer fintech platforms in the United States — processing over $282.9 billion in annual customer inflows, serving 57 million monthly...
Every time you scan a QR code at a chai stall or split a dinner bill on PhonePe, a sophisticated sequence of events fires across multiple banks, servers, and security layers — all in under 10 seconds. UPI — the Unified...
You don’t need a huge bank balance to start a profitable business. In 2026, some of the fastest-growing businesses in the United States were launched with less than $500 — sometimes zero. The shift is real: AI tools...
Google Gemini vs ChatGPT: The Honest 2026 Review You Actually Need Let’s cut straight to it — you’ve probably Googled “Google Gemini vs ChatGPT” at some point in the last few months. And honestly...