Great news for those of you already experiencing subscription fatigue: you can subscribe to buy now, pay later (BNPL) service Klarna for $7.99 a month.
Technology
Klarna will now let you pay them so you can pay them less money
/cdn.vox-cdn.com/uploads/chorus_asset/file/24511279/STK417_H_Herrera_Money_01.jpg?ssl=1 "Klarna will now let you pay them so you can pay them less money")
At first glance, this seemed pretty fucking weird to me. I mean, the entire point of Klarna is that you can essentially do layaway without paying any kind of interest; Klarna has partnered with a wide array of retailers — from Dolce & Gabbana to 1-800-Flowers.com to Macy’s — to create this service. So what’s the consumer value in the subscription?
The subtext of the announcement is, “Hey look, another revenue stream!”
Well, let’s say you shop at, I dunno, Target or Kroger or Safeway. These retailers aren’t affiliated with Klarna, so if you try to use the service there, you have to pay a transaction fee of up to $2. “The main proposition of Klarna Plus right now is that you don’t pay any service fees,” David Sandstrom, the chief marketing officer of Klarna, told CNBC. “So if you love Klarna and if you love shopping at Target and Walmart, it makes a ton of sense financially.”
I am somewhat less sure about that, but we’ll come back to my doubts in a minute. What I do feel sure of is that this is Klarna attempting to goose its rumored IPO. The subtext of the announcement is, “Hey look, another revenue stream!” After all, Klarna’s valuation dropped to almost $8 billion from about $46 billion last year, which, ouch. As a result, Klarna has become the poster child of overly exuberant investments in fintech, according to no less of an authority than the Financial Times.
At the risk of sounding like a dang broken record: this is, of course, related to interest rates. For most of Klarna’s history — the company launched in 2005 — interest rates have been pretty close to zero. Easy credit was everywhere! But rising interest rates might make more people default on their payments.
Klarna offers several ways to split payments. First, paying in four installments with 25 percent down upfront. Second, paying over the course of 30 days. Third, short-term loans, with an APR of as high as, uhhhh, 33.99 percent.
When Klarna started trying to grow its presence in the US market, it began a long string of quarterly losses
Now, to be clear, part of Klarna’s model is that some people won’t pay on time. That means late fees — $7 per missed payment — and eventually, debt collection. About a quarter of BNPL users in the UK have been charged these fees in the last six months of 2023, and younger consumers were more likely to get stuck with them. Some people also took a hit on their credit score or were contacted by debt collectors.
Part of Klarna’s value proposition is that it doesn’t require a credit check. So if your credit is bad, you can still use it. The problem here, of course, is that if you do pay your loan off on time, your credit score doesn’t improve. But it can be harmed if you miss payments.
I am going to leave aside the question of whether BNPL broadly is bad for society. (There is a strong argument to be made that it is, in fact, good.) I want to focus on Klarna, which was profitable from its founding until 2018, Fortune reported. But when the company started trying to grow its presence in the US market, it began a long string of quarterly losses, starting in 2019, that only ended last year.
So between the new interest rate environment and the new investor focus on profitability, Klarna has some incentives to offer new products that will make its IPO juicy. From an investor’s perspective, the subscription plan means recurring revenue, which is good, and a new revenue stream, which is also good. And in case you were curious about who that press release is really for, Klarna makes sure to note it’s sprinkled some AI on its business.
I wonder whether Klarna Plus is a good deal for consumers
But I wonder whether Klarna Plus is a good deal for consumers. Klarna’s press release says that the subscription will save people… $12 a month on fees.
The press release also says that users will get exclusive deals worth up to $30 a month. I find this somewhat befuddling: if you’re in a financial position where saving $12 a month is important, why would you want to be encouraged to spend more money with “exclusive deals”? Remember, Klarna’s value proposition to the businesses it courts is that it encourages people to spend more money. “Businesses of all sizes grow with Klarna,” its website says. “Turn our high-intent shoppers into loyal customers with performance-driven marketing solutions.” It promises “up to 70% increase in revenue” to businesses that use Klarna to deliver “shoppable content that sells.” Hmm!
The UK survey suggests most Klarna users pay off their debt without incurring fees. For Klarna, the most valuable customers are those who are likely to incur late fees. And the examples marketing officer Sandstrom uses are telling: Walmart, Target, Amazon, Costco. You know, the big box retailers where people buy ordinary staples — which suggests the model targets people who are having difficulty with increases in the cost of living.
If those people are successfully paying off their debt, Klarna gets the subscription fee. I don’t see anything in Klarna’s press release about saving on late fees with Klarna Plus. So if you don’t pay off your loan, you’re paying the subscription fee and the late fees.
Anyway, Klarna’s promising to launch more features soon, such as a high-yield savings account, its marketing officer told CNBC. Given Klarna’s IPO plans, I expect those features will be highly appealing to potential investors. But will they be good for Klarna’s customers?
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Polymarket has been allowing people to bet on when the US would strike Iran next. Obviously, now that it’s actually happened and people have died, the prediction betting market is feeling some pressure. The site has been at the center of controversy before, including suspicions of insider trading on the Super Bowl halftime show and the capture of Venezuelan President Nicolás Maduro.
In a statement posted on its site, Polymarket defended its decision to allow betting on the potential start of a war, saying that it was an “invaluable” source of news and answers, before taking shots at traditional media and Elon Musk’s X. The statement reads:
…
Read the full story at The Verge.
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Google has officially discontinued its Dark Web Report feature, a free tool that once scanned known dark web breach dumps for personal information tied to a user’s Google account. The service delivered notifications when email addresses and other identifiers appeared in leaked datasets.
According to Google’s support page, the system ceased scanning for new dark web data Jan. 15, 2026, and the reporting function was removed entirely on Feb. 16, 2026, meaning users can no longer access the feature.
The company said the decision reflects a shift toward security tools it believes provide clearer guidance after exposure, rather than standalone scan alerts.
If you previously relied on the free dark web scan as an early warning signal for leaked data, this change removes one of your sources.
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Google officially ended its Dark Web Report tool, removing free breach alerts tied to user accounts. (Kurt “CyberGuy” Knutsson)
So what did users really lose?
Google’s Dark Web Report acted as a basic exposure scanner. It checked whether personal information linked to a Google account had surfaced in known breach collections circulating on the dark web.
When a match is found, users receive a notification identifying which type of data appeared in a leak. Depending on the data breach, that could include an email address, phone number, date of birth or other identifying details commonly harvested during large-scale hacks.
The report did not display stolen credentials or provide access to the leaked database itself. It also did not trace the origin of the compromise beyond referencing the breached service when available.
After an alert was issued, the next steps were left to the user. Google recommended actions such as changing passwords, enabling stronger authentication methods and reviewing account security settings. With the tool now removed, that automated breach check tied directly to a Google account is no longer available.
What you still have access to
Google directs users to its Security Checkup, a dashboard that scans your account for weak settings and unusual sign-in activity.
Its built-in Password Manager includes Password Checkup, which scans saved credentials against known breach databases and prompts you to change exposed passwords. Google also supports passkeys and two-factor verification to lock down account access.
The Results About You tool lets users search for personal information in Google Search and submit removal requests for certain publicly indexed details.
149 MILLION PASSWORDS EXPOSED IN MASSIVE CREDENTIAL LEAK
Without the automatic scan, users must now check for leaked data using other security tools. (iStock)
Alerts don’t always mean protection
Once personal information is compromised, it often ends up far beyond the breach itself. Stolen credentials and identity data are regularly trafficked on underground platforms where buyers can search for information tied to real people.
The BidenCash dark web marketplace was taken down by U.S. authorities in June 2025, and the Justice Department confirmed that the platform peddled stolen personal information and credit card data.
These illicit markets operate with a level of organization not unlike legitimate online stores. Search tools and bulk data sets are up for grabs and can be used to target any online account. This makes credential stuffing easier, where attackers test leaked passwords across multiple services in hopes of barreling into your account.
A breach alert tied to a dark web scan points to a leak at one moment in time; it does not follow whether that information has been sold to third parties or used in subsequent fraud attempts. For everyday users, this means that just knowing your data appeared in a leak doesn’t help much.
THINK YOUR NEW YEAR’S PRIVACY RESET WORKED? THINK AGAIN
Stolen personal information can circulate for years, making ongoing monitoring more important than a one-time alert. (Kurt “CyberGuy” Knutsson)
Identity monitoring may be a better option
With Google’s scan gone, some people may consider dedicated identity protection services instead. Many of these services offer continuous monitoring of your personally identifiable information and send alerts about changes to your credit reports from all three major U.S. credit bureaus. That can include notifications about new inquiries, newly opened accounts and monthly credit score updates. Some plans also monitor a broader range of personal identifiers, such as driver’s license numbers, passport numbers and email addresses.
Beyond credit monitoring, certain services track linked bank, credit card and investment accounts for unusual activity. They may also monitor public records for changes to addresses or property titles and alert you if your information appears in those filings.
Many providers include identity theft insurance to help cover eligible out-of-pocket recovery costs. Coverage limits vary by plan and provider. Additional features often include spam call and message protection, a password manager, a virtual private network (VPN) and antivirus software.
No service can prevent every form of identity theft. However, ongoing monitoring and recovery support can make it easier to respond quickly if your information is misused.
See my tips and best picks on Best Identity Theft Protection at Cyberguy.com.
Kurt’s key takeaways
Google’s decision to drop its Dark Web Report may seem small. But it removes a tool many users relied on. For some, those alerts were the first warning that their data appeared in a breach. That automatic scan is now gone. Google still offers Security Checkup, Password Checkup, passkeys and two-step verification. However, none of them actively scan dark web breach dumps for you. Stolen data does not disappear. Criminals copy, sell and reuse it. One alert shows a single moment. Ongoing identity theft monitoring helps you stay aware over time.
Now that Google has dropped its dark web monitoring feature, will you actively check your data exposure or assume someone else is watching it for you? Let us know your thoughts by writing to us at Cyberguy.com
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Xiaomi has just given a global launch to two of its latest flagship phones, the Xiaomi 17 and 17 Ultra, along with a Leica-branded Leitzphone edition of the Ultra. There’s no sign, however, of the 17 Pro, which launched in China with an additional display mounted next to the rear cameras.
The 17 and 17 Ultra will apparently be available soon in the UK, Europe, and select other markets. The 17 — pitched as a rival to the likes of the iPhone 17 and Samsung Galaxy S26 — will cost £899 / €999 (about $1,200), while the larger and more capable Ultra starts from £1,299 / €1,499 ($1,750). The limited-edition Leitzphone will be substantially more expensive at £1,699 / €1,999 ($2,300), though it includes 16GB of RAM and 1TB of storage, along with a few extra accessories.
The 17 is an extremely capable small-ish flagship, with a 6.3-inch OLED display, Qualcomm Snapdragon 8 Elite Gen 5, and large 6,330mAh silicon-carbon battery (though sadly smaller than the 7,000mAh version launched in China). I won’t be writing a full review of the 17, but did spend a week using it as my main phone, and found that the battery cruised past the full-day mark, though wasn’t quite enough for two full days of my typical usage. That’s far better battery life than you’d find in similarly sized phones from Apple, Samsung, or Google.
The cameras impress too, with 50-megapixel sensors behind each of the four lenses, selfie included. Pound for pound, you won’t find many better camera systems in any phone this size.
1/10
The Ultra, unsurprisingly, takes things to another level. It’s much larger, with a 6.9-inch display, and weighs a hefty 218g. Despite that, the 6,000mAh is actually smaller, though I found it delivered pretty similar longevity.
The enormous camera is, as ever for Xiaomi’s Ultra phones, the highlight. There are 50-megapixel sensors for each of the main, ultrawide, and selfie cameras, with a large 1-inch-type sensor behind the primary lens. The periscope telephoto is even more impressive: 200-megapixel resolution, a large 1/1.4-inch sensor, and continuous optical zoom from 3.2x to 4.3x, the equivalent of 75-100mm. Xiaomi isn’t the first to pull off a true zoom phone — Sony’s Xperia 1 IV got there first in 2022 — but the telephoto camera here is far more capable than that phone’s, with natural bokeh and impressive performance even in low light.
The camera capabilities are supported by Xiaomi’s ongoing photography partner Leica, but it’s the pair’s Leitzphone that really emphasizes that. Slightly redesigned from the 17 Ultra Leica Edition that was released in China last December, this includes Leica branding across the hardware and software, a range of Leica filters and shooting styles, and a rotatable rear camera ring that can be used to control the zoom. It’s the first Leica Leitzphone produced by Xiaomi — after a trio of Japan-only Sharp models — and comes with additional branded accessories, including a case with a lens cap and a microfiber cleaning cloth.
Xiaomi has plenty of other announcements alongside the 17 series phones at MWC this year, including a super-slim magnetic power bank, the Pad 8 and Pad 8 Pro tablets, and a smart tag that supports both Google and Apple’s tech-tracking networks.
Photography by Dominic Preston / The Verge
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