.Get now, pay later agencies like Klarna and also Block's Afterpay could be about to face tougher rules in the U.K.Nikolas Kokovlis|Nurphoto|Getty ImagesFinancial modern technology company Klarna is pressing deeper right into banking with its own checking account-like product and also a cashback offering that awards customers for shopping by means of its own app.The firm u00e2 $" best recognized for its own purchase currently, wages later lendings that permitted buyers purchase investments by means of interest-free regular monthly installments u00e2 $" mentioned Thursday that it is introducing the new products as it finds to "interfere with retail financial" and also encourage consumers to move their spending and also sparing onto its system." These brand new items create it less complicated for customers to handle multiple scheduled repayments, aiding our clients utilize Klarna for more regular acquisitions as well as steering devotion," Sebastian Siemiatkowski, Klarna's CEO as well as owner, told CNBC.Siemiatkowski claimed that Klarna wishes to "assist all buyers with their daily costs," including that the products will definitely make it possible for folks to "make money while they go shopping as well as manage it in a Klarna account." Both new items, which are actually being actually rolled out in 12 markets including the U.S. as well as across Europe, will definitely show up in the Klarna application as "equilibrium" as well as "cashback." Klarna equilibrium allows users stash funds in a bank-like personal profile, which they can easily then utilize to make quick purchases and repay their purchase right now, income later loans.Users can also acquire refunds for returned products straight in their Klarna balance.Cashback uses customers the capacity to earn around 10% of the value of their purchases at engaging retailers as perks. Any kind of loan made obtains automatically saved in their equilibrium account.It's not Klarna's 1st invasion into additional typical banking the company has actually supplied checking profiles and financial savings products in Germany considering that 2021. Right now, the company is actually expanding these banking products in various other markets.Customers in the EU u00e2 $" where Klarna possesses a main banking company certificate u00e2 $" are going to manage to get as high as 3.58% enthusiasm on their deposits. Clients in the U.S., having said that, will not have the ability to get interest.The launch signifies a significant step up in Klarna's product assortment as the fintech large sides closer towards a much-anticipated U.S. IPO.Klarna has yet to set a repaired timeline for the stock market directory. Having said that, in a meeting along with CNBC's "Closing Alarm" in February, Siemiatkowski stated an IPO this year was "not impossible."" Our experts still have a few actions and work in advance of ourselves," he stated. "However our company're keen on coming to be a public provider." Meanwhile, Klarna remains in conversations along with financiers about a subsequent allotment purchase to provide its own staff members with some assets, a person accustomed to the matter said to CNBC.Klarna's appraisal on the open subsequent market is currently in the high-teen billions, stated the resource, that was actually speaking on problem of anonymity as particulars of the allotment sale are certainly not however social.