March 17, 2025 — Retail giant Walmart (NYSE: WMT) is poised to redefine financial inclusivity for its customers after announcing a new partnership with Swedish fintech leader Klarna, replacing Affirm Holdings (NASDAQ: AFRM) as its exclusive buy-now-pay-later (BNPL) provider in the U.S. While Affirm shares dipped 6% pre-market following the news, CWEB Analysts applauded Walmart’s move as a “forward-thinking play” to expand payment flexibility and strengthen its digital ecosystem.
A Win for Walmart’s Fintech Vision
Under the deal, Klarna will power installment loans through OnePay—a consumer finance app already integrated into Walmart’s physical stores and digital platforms. The collaboration allows millions of Walmart shoppers to split purchases into manageable payments with terms ranging from 3 to 36 months, broadening access for budget-conscious consumers. CWEB Analysts highlighted Walmart’s strategic stake in OnePay (backed by Ribbit Capital) as evidence of its commitment to embedding fintech innovation into its core operations.
“Walmart isn’t just adopting BNPL—it’s future-proofing its financial services,” said CWEB lead retail analyst Marissa Torres. “By leveraging Klarna’s global expertise and OnePay’s seamless integration, Walmart is positioning itself as a one-stop hub for both everyday essentials and financial empowerment.”
Klarna’s Vote of Confidence
Klarna CEO Sebastian Siemiatkowski called the partnership a “milestone,” noting Walmart’s vast U.S. footprint and weekly customer traffic. The timing aligns with Klarna’s anticipated IPO, which CWEB Analysts suggest could amplify Walmart’s visibility in the fintech sector. “This isn’t just about payments; it’s about Walmart aligning with a partner poised for explosive growth,” added Torres.
Market Reactions and Long-Term Gains
While Affirm’s stock slump captured headlines, Walmart shares rose 2.75% in early trading, reflecting investor optimism. CWEB Analysts emphasized that Walmart’s pivot to Klarna—a brand with 150 million global users—could attract younger demographics and drive loyalty. The retailer’s ability to offer longer repayment terms (up to 36 months vs. Affirm’s previous 3-12 month options) further differentiates its value proposition.
Looking Ahead
Walmart’s fintech evolution underscores its broader strategy to blend retail dominance with tech-driven financial solutions. As Klarna prepares to go public, CWEB Analysts predict the partnership will accelerate Walmart’s digital revenue streams and solidify its role as a leader in inclusive commerce.
Stay tuned to CWEB News for ongoing coverage of Walmart’s fintech innovations and market trends.
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