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Klarna, ReadyForZero, Wongo
Klarna, a Swedish company that counts Sequoia Capital, a noted venture-capital firm, among its financial backers, allows consumers to shop online by simply typing in their date of birth, name and address. Klarna fronts up the payments and charges retailers a fee for making online purchases easier. Shoppers pay only once they have received the goods. ReadyForZero, a start-up in Silicon Valley, lets people see all their credit-card debts in one place and puts together a plan to pay them off.