Holiday budgets.

The pandemic accelerated digital innovations and now shoppers are online more than ever before. Additionally, over the past 6 months, millions of consumers have been affected by price inflation and thus have adapted their spending habits accordingly.

In this report, we find out what these changes in behavior mean for this year’s holiday season. Read on to learn about consumers’ plans for creating budgets and getting more out of their money during the final months of the year.



Insights from Klarna’s consumer research, conducted in cooperation with Nepa across 17 countries (the US, the UK, Ireland, Australia, New Zealand, Germany, Austria, Poland, France, Belgium, the Netherlands, Italy, Spain, Portugal, Sweden, Norway and Finland). The research was conducted during October and November 2022 and includes a minimum of 1,000 respondents in each country. In total, more than 17,000 consumers participated. The sample sizes are nationally representative, naturally including both Klarna users and non-Klarna users, and have been selected by research agency Nepa.

17,390 consumers

17 countries

Holiday budgets.

Creating a budget and sticking to it. Here’s how consumers all over the world are doing it.

Young and meticulous.

Younger generations are more likely to establish a budget before they start spending for the holiday season.

9 in 10

Gen Z’ers have already, or want to, create a budget for their holiday spend. Only 4% of U.S. Gen Z’ers say they don’t have a need for a budget, while…

3 in 10

Baby Boomers don’t believe they need to establish a budget. And this is true for twice as many Swedish Baby Boomers, with 60% saying they have no such need.

Holiday spending.

Over the past 6 months, millions of consumers have been affected by price inflation and thus have adapted their spending habits accordingly. Here’s how it will affect holiday spend compared to 1 year ago

10 out of 17

In 10 out of 17 countries, holiday spending budgets will be bigger compared to 1 year ago.


of consumers will not change their holiday spending budgets, on a global average.

The majority will change the way they spend.

In all countries, the vast majority say recent price inflation will impact the way they shop for the holiday season.


of consumers will change the way they spend for the holiday season, ranging from 67% in Sweden to 89% in Portugal.

Budget-friendly is the name of the game.

Shoppers are looking to hack the holidays by prioritizing shopping for the essentials, embracing sales, and more. It’s also increasingly important to gather input and ensure the person receiving the gift wants it.

1 in 2

will reduce their spend on non-essential items, and choose more budget-friendly options.

1 in 6

will actively try to avoid using their credit cards for holiday spending.

Keeping their spending in check.

The vast majority want to use an app to manage their holiday spending.


would find it useful to have a mobile app that can help them set a budget and track and manage their spending, but only 26% are already using one.

Wait, there’s an app for that?

The smartphone revolution has introduced new technology that empowers consumers to keep better track of their shopping and make more informed choices.


would find it useful to have an app that compares prices across retailers to find the cheapest item.

Evolving payment preferences.

Naturally, payments are a fundamental part of the shopping experience. Yet continual technological innovation means our payment preferences are constantly evolving.

‘Tis the season to ditch your credit cards.

About half of the shoppers who used their credit cards for holiday spending last year ended up paying some form of interest or fee. This year, more than 8 out of 10 will try to avoid credit card debt.

The rise of Buy Now, Pay Later.

Shoppers all over the world are turning to Buy Now, Pay Later to an increasingly higher extent.

According to consumers, the primary benefits of Buy Now, Pay Later over credit cards are avoiding the open line of credit and saving money. Most believe that Buy Now, Pay Later is cheaper compared to credit cards that charge additional fees and interest.

16 out of 17

the demand for Buy Now, Pay Later is higher than credit cards in 16 out of 17 countries.

Why pay interest?

Most people find it helpful to split the payments for holiday gift shopping into equal parts, without any additional cost or interest.


of consumers find it useful to split the payments for holiday gift shopping into equal parts, without any additional cost or interest.

Those that use Buy Now, Pay Later are more meticulous.

There are clear differences when comparing those that have already tried Buy Now, Pay Later to those that have never heard of it. They are twice to have set a budget for their holiday spending and to use mobile apps to keep track it — and three times as likely to know what they will buy during the Black Friday sales.

And that’s that.

Thirsty for more knowledge?

Make sure to check out the other reports available at Klarna Insights.

Welcome to Klarna’s Black Friday & Cyber Monday deep dive!

The pandemic accelerated digital innovations and now shoppers are online more than ever before. Additionally, over the past 6 months, millions of consumers have been affected by price inflation and thus have adapted their spending habits accordingly.

In this report, we find out what these changes in behavior mean for this year’s Black Friday & Cyber Monday sales. Read on to learn more about shoppers’ plans and their expectations in the lead-up to the most intense shopping days of the year.

What’s more, we will continue to update the global shopping insights based on our shopping data so don’t forget to check back in for the latest news on developments this year.



Insights from Klarna’s consumer research, conducted in cooperation with Nepa across 17 countries (the US, the UK, Ireland, Australia, New Zealand, Germany, Austria, Poland, France, Belgium, the Netherlands, Italy, Spain, Portugal, Sweden, Norway and Finland). The research was conducted during October and November 2022 and includes a minimum of 1,000 respondents in each country. In total, more than 17,000 consumers participated. The sample sizes are nationally representative, naturally including both Klarna users and non-Klarna users, and have been selected by research agency Nepa.

17,390 consumers

17 countries

150m consumers

450,000 retailers

Online shopping data.
Insights from Klarna’s shopping data. Klarna serves more than 150 million consumers and 450,000 retailers.

Online & in-store.

Bargain hunting season has started. Here’s where shoppers are heading and why.

Black Friday shopping no longer requires protective gear.

Many retailers have evolved their online presence to meet shoppers’ increasingly digital expectations. But does this mean physical stores are irrelevant? Not at all. Our research shows that physical stores still play an essential role for shoppers.

That said, many people anticipate that they will shop online more than usual during the hectic November sales. As such, online stores look bound to take an even larger share of the (digital) foot traffic this year.

IRL vs. digital shopping.

The charts below show how shoppers in each country think they will split their shopping between online and in-store. The remaining population thinks they will split it evenly between the channels.

Why are shoppers turning online?

A consumer’s choice of shopping channel heavily depends on whether they are looking to save time and money or whether they are looking for social interaction and customer service.

This helps to explain why shoppers are planning on digitizing their purchases during the biggest (and often most intense) sales days of the year.


think they get lower prices online.


prefer online stores to save time.

In-store with a digital footprint.

Ever been standing between the aisles and grabbed your smartphone to check product reviews or compare prices? You’re not alone.

The in-store shopping journey begins online.

The digital shopping revolution doesn’t only mean that people are shopping more online. Online research, also called “webrooming,” plays an important role throughout the in-store shopping journey. For the majority of people, a trip to the mall starts before they arrive.


are sometimes (or often) researching online before they go in-store, out of which:


do it often.

Smartphones have forever changed the in-store shopping experience.

Even when shoppers are physically in-store, they are also online, using their phones to compare competitive prices and offers and to check product reviews and testimonials to make sure they have found the right product.


are sometimes (or often) using their smartphones in-store, out of which:


do it often.

Planning makes perfect.

Executing the perfect bargain hunt requires proper planning. We found that there is a strong correlation between setting a budget, planning purchases, waiting to make more expensive big-ticket purchases, and expecting to make bargains during the sales days.

Online shoppers are more meticulous.

Shopping online and in the physical world are done differently. Meticulous planning, budgeting, and price awareness are strongly correlated with online shopping. Those who intend to shop in-store tend to make their purchases more spontaneously.

Online shoppers more often:

– know what they’re going to buy.

– wait until the sales to buy big ticket items.

– compare prices between retailers to find the cheapest item.

– try to make larger share of their holiday gift purchases during the sales periods.

Gen Z’ers & Millennials are on it, too.

Younger generations have a clearer idea of how much they are going to spend and what they are going to buy before the sales even get started.

8 out of 10

Gen Z’ers and Millennials will more often compare prices between retailers, and make more of their holiday shopping during the sales period, compared to last year.

The vast majority think they will buy something during the Black Friday sales.

And this is particularly true for the younger generations.


think they will buy something during Black Friday/week, out of which:


are sure they will do it.

Shopping for yourself and others.

Many take advantage of the sales to buy for themselves and for their nearest and dearest. Many shoppers will aim to get a bargain both on products they use themselves and on holiday gifts for loved ones.


will buy something for themselves, while…


will buy for others.

Top gifting categories.

These are the top products consumers are looking to bag for themselves and others ahead of the holidays.

Children’s Products

is the most popular gifting category, while…

Clothing & Shoes and Electronics

are the most popular categories to buy for oneself.

Evolving payment preferences.

Naturally, payments are a fundamental part of the shopping experience. Yet continual technological innovation means our payment preferences are constantly evolving.

The rise of Buy Now, Pay Later.

Shoppers all over the world are turning to Buy Now, Pay Later to an increasingly higher extent.

According to consumers, the primary benefits of Buy Now, Pay Later over credit cards are avoiding the open line of credit and saving money. Most believe that Buy Now, Pay Later is cheaper compared to credit cards that charge additional fees and interest.

16 out of 17

the preference for Buy Now, Pay Later is higher than credit cards in 16 out of 17 countries.

Why pay interest?

Most people find it helpful to split the payments for holiday gift shopping into equal parts, without any additional cost or interest.


of shoppers find it useful to be able to split a payment into equal parts without paying fees or interest, on a global average.

2022 data updates.

Black Friday 2022 takes place on the 25th of November and Cyber Monday on the 28th.

Klarna will continually update this section over the upcoming weeks based on our shopping data.

The online shopping map.

Select a country from the list below to see where people shop the most online per capita, where people are shopping the most during the sales period (compared to an average day), and how the most popular product categories shift across regions.

The index for “Favourite Products” is calculated in relation to the national average in a particular country. It does not necessarily reflect the products that are most frequently bought overall but in comparison with other regions in that country.

The data includes Black Friday, 2022-11-25 full day.

And that’s that.

Thirsty for more knowledge?

Make sure to check out the other reports available at Klarna Insights.

Halloween 2022 🎃

Knock Knock!
Who’s there?
Boo who?
… 🤷

Do you know what you’re dressing up as this Halloween? Will you dress up at all?

Whether you’re planning to pull a Heidi Klum and go all-out with your costume or just simply throw a white sheet over yourself à la E.T., there’s no better time of year to inject a little spook into your style.

However, if you’re stuck for inspiration, don’t worry — we’ve got you. In this report, we look at Halloween trends across the globe to find out what people are wearing in 2022.

Let’s get shrieky!


Klarna’s Halloween survey was sent out online during October 2022 in collaboration with research agency Dynata to a representative sample of more than 17,540 consumers across 17 countries and 3 continents, with more than 1,000 respondents per country.

17,540 consumers

18-65 years old

Dressing up for Halloween.

Getting ready for Halloween is an event in itself. But what to wear? We’ve got the low-down on who’s fully committed to spooky season this year and whose ideas are yet to be brewed.

Who’s bringing the costume love?

America! Almost 1 in 3 Americans already have their Halloween costumes ready to go and that number might still grow.


of the people we surveyed around the world want to dress up this year.


of Americans have their costumes planned. 16% are still undecided. If these maybes ⮕ yeses then over half of the population will be dressed up!

Night of the living dead young!

Gen Z and Millennials are far more likely to dress up than older generations, and there is an equal split between genders.


of Gen Z’ers around the world are planning to dress up…


…but Baby Boomers aren’t into it.

Step your game up!

Winning the costume competition might be significantly harder than it was a year ago.


Make space! The size of this year’s global party is set to increase by 28% compared to last year.

Fit goals

Pulling a great Halloween fit together is no easy task. Firstly, you need to identify your goal. Do you want to be scary? Sexy? Or would you rather make someone laugh?

What do you meme?

Halloween delivers the perfect excuse for spending hours swiping through social media and binge-watching TV. After all, it’s research!

TV series & movies

are the most common sources of inspiration (44%), while ghosts, mummies, vampires, and other classic horror characters follow creepily close behind (41%)

Budget vs blow-out.

How much cash are you prepared to splash on your Halloween get-up?


is the average Halloween costume budget.


will spend between $26 and $100.


already have, or will borrow, everything they need.

Pick your fighter.

Sexy, scary, or funny? Which boxes will your look check?


will go for a scary look.


would rather scream with laughter.


will take the opportunity to show some skin.

An American, an Aussie, and a Frenchman walk into a bar…

Ever wondered whether a person’s nationality influences their Halloween aesthetic? Well, now you know…

The French

are most likely to come dressed scary (70%) while…


will likely arrive in something funny (60%) and…


will probably turn up in something sexy (34%).

A fang-tastic night.

A great costume is about more than just clothes.

Serving (scary) face.

Make-up is an integral part of most great Halloween costumes.

2 in 3

will buy specific make-up for Halloween.


are more likely (75%) to buy make-up compared to women (63%). Gender has a bigger impact than age when it comes to putting makeup on the Halloween shopping list.

Let the transformation commence!

The best thing about Halloween is that you can become anyone or anything you want. But what is this year’s most popular look?


of Americans will be going for something artistic, far more than in any other country.

Ghosts, goblins, monsters, and other pets.

There’s no better company during a night of spooky festivities than furry family members.

Santa’sSatan’s little helper.

Many pet owners are planning to involve their pets in the festive fun.


of Americans will dress up their pet — that’s double the global average (14%).

Turning a happy doggo into a scary spider…

…or turning a scary spider into a happy doggo?


Aussies are among the most likely to dress up their pet in something scary (70%).


Meanwhile, in France people are most likely to dress their pets up as something funny (56%).

Social media memes reign supreme.

They say cats own the internet, so perhaps it’s no wonder that social media trends and memes are the main costume inspiration for pet owners.


take inspiration from social media trends or memes for pet costumes.

Cats vs dogs.

It’s official: Cat owners are more likely to dress up their four-legged friends as something scary, while dog owners will usually take the comic route.


of cat owners will dress up their cats in scary costumes compared to 51% of dog owners.


of those who have both a cat and a dog plan to dress their pets in funny costumes.

Do you like scary movies? 👻

Halloween fun doesn’t have to mean dressing up and going out. Staying in to watch scary moves (and hide behind pillows) is also a scream.

Oh, the horror!

For many Americans, there’s nothing better than a scary movie on Halloween.

Out of all countries…

Americans watch horror movies the most (63%), while the Dutch watch them the least (26%).

Can’t get enough.

Turns out that most people that watch horror movies on Halloween do so because they genuinely love them. Of course, there are a few brave souls who still watch horror films despite dreading the experience!

The Finnish are seemingly the most chill when it comes to watching horror. 33% say they’re unbothered and that it’s “just another movie genre.”


are the biggest horror movie fans (72%).

Australians & Belgians

are united in their hatred (16%).


are the most indifferent (33%).


are the most accommodating, mostly watching them when others want to (13%).


The most popular reasons to watch horror movies are nostalgia and social experience. But for some, it’s about picking up survival tips. At least some of us will be prepared for the zombie apocalypse…


say the social experience is the most important reason for watching horror movies, on a global average.


of Australians, Canadians, and the French watch horror to pick up survival tips… yikes!

The greatest horror movie of all time is…

Drumroll, please 🥁🥁🥁 After years of debate, we’ve finally settled the Halloween movie debate once and for all. You’re welcome!

Movie fans around the globe agreed that when it comes to horror, the classics come out on top.

Movie fans around the globe agreed that when it comes to horror, the classics come out on top.

1. Halloween (1978)
2. The Exorcist (1973)
3. Friday the 13th (1980)

Which one will you be watching? 🍿

And that’s that.

Thirsty for more knowledge?

Make sure to check out the other reports available at Klarna Insights.


Dreams take many forms. There are the ones when people shut their eyes and nod off to sleep—whether for a brief snooze or a restful evening—and there’s the more aspirational sort. Some dreams see a person take flight and soar high above the earth, and some involve purchasing or acquiring a desired object. 

While Klarna hasn’t yet figured out how to make that dream of you shooting laser beams from your eyes a reality (don’t worry, we’ll get engineers on it!), we are laser-focused on helping shoppers score the dream item they’ve always wanted. 

In celebration of World Dream Day we’ve conducted research including more than 20 000 consumers from across the world to better understand what shoppers dream about (from the literal to the figurative). And based on what we learned we’ve created the Dream Deals Report, exploring shoppers’ dreaming habits and patterns, and their dream purchases and shopping desires.


Klarna research occurred in May 2022, in cooperation with Dynata and across 19 countries (US, Canada, UK, Ireland, Australia, New Zealand, Germany, Austria, Poland, Netherlands, Belgium, France, Sweden, Norway, Finland, Denmark, Italy, Spain, and Portugal). The survey includes a minimum of 1,000 respondents in each country. In total, 20,413 consumers ages 18 to 75 participated.

19 countries

20,413 consumers


First, the literal. With nearly 8 billion people in the world, there is a whole universe of imagination created by our subconscious every day.

This chapter explores people’s actual dreaming habits and patterns, looking at how often people dream, the types of dreams, and the most common themes globally and nationally.

The dreamiest nation is…

Quantifying the number of dreams every day is a herculean task, but when asked how frequently a person can recall their sleeping dreams, the global average comes to 119 days in a year. For those moments during the day when people drift off for a bit, the average number of days with daydreams is 107, making the combined number of total dreams for the average person around 226 per year.

While nighttime dreaming is consistent worldwide, there is a much more diverse frequency for daydreaming connected to the region where a person lives.

For example, people in Ireland are most likely to daydream (145 per year), while those in Poland are significantly more unlikely to do so (43 per year). The difference between the Nordic countries of Sweden (132), Finland (128), and Norway (124), though, is much less pronounced, with a difference of only 8 separating them. And while thousands of kilometers divide the nations, there’s no separation between the people of Australia and New Zealand when it comes to daydreaming.

  • Canadians have the most dreams at night (143) on average, while the US has the most daydreams (141) per year.

  • The Irish have the highest number of dreams (272) per year, counting both night and day.

  • Men and women average the same amount of dreams at night per year (119), while women daydream 13% more over a year.

Daydream believers.

The US has the most average daydreams per year (141), while Ireland is the country with the most daydreams compared to night dreams (+19 more daydreams), and Poland and France are on the opposite side (+63 more night dreams).

Day dreamers

US, UK, Ireland, Australia, New Zealand, Sweden, Finland

Night dreamers

Canada, Germany, Austria, Poland, Netherlands, Belgium, France, Norway, Denmark, Italy, Spain, Portugal

The dreams of youth.

The younger you are, the more likely you will have healing dreams or ones where you dream something that later actually happens, while lucid and recurring dreams seem consistent across generations. On a global average, Gen Z’ers are more than twice as likely to have healing (+145%) and prophetic (+123%) dreams than Baby Boomers.

Highest share of

Healing dreams: US, Canada (24%)

Prophetic dreams: US, Canada, Poland (32%)

Lucid dreams: Spain, Portugal (50%)

Recurring dreams: Sweden, the Netherlands (53%)

Keeping the dream alive.

While everyone has dreams, not every dream gets remembered. About every fourth person occasionally writes down their dreams, but only a few keep a regular dream diary.

The eagerness to recall dreams seems to be a generational preference, as Gen Z’ers (45%) and Millennials (37%) are far more likely to write down their dreams as compared to Gen X’ers (17%) and Baby Boomers (7%).

Most people (60%) say they have researched what their dreams mean, and 1 in 4 Gen Z’ers (24%) do it often.

Would you like cheese on that?

More than a third of people (37%) say they’d actively choose to eat or drink something that would help them remember their dreams better. That’s especially great news for dairy manufacturers, as research shows cheese may help with dream recall. Thanks to their cheese consumption, Canadians (37%) are the most likely to have already remembered a dream. Italians are very willing to try this (53%), making them more than twice as willing as the Danish (25%) to do so and significantly outpacing their American (24%) and European (19%) counterparts.

Dreams of adventure.

As for the most common types of dreams, people often experience exploring nature and seeing distant places, more so than imagining themselves as an athlete, musician, or artist. If you’re experiencing an even more far-out dream, you’re in good company, 1 in 5 people has dreamed about going to outer space.

Distant new places.

  • Women dream more often about exploring nature and seeing distant places on Earth. In contrast, men more often dream about going to outer space. However, the differences are more significant across generations than between genders.

  • 30% of Gen Z’ers have dreamt about being social media influencers. That’s least prevalent in Austria (21%) and most common in New Zealand (40%).

Dreamed I was someone new.

Reflecting their values and interests, Gen Z’ers and Millennials are more likely to dream about quitting their jobs to pursue passions or turn hobbies into careers, or dream about innovating something impactful or innovative for the greater good.

Meanwhile, for people over the age of 40 there seems to be a drastic decrease in dreams overall.

The only consistent dream among all generations is around travel or going on vacation.

Balancing good and villainy.

Dreams where a person becomes a superhero, are more common than dreaming about being the villain in all countries, but there are wide variations in how frequent it is across borders. Spanish people are ten times more likely to dream about being a superhero than a villain, whereas in Finland and Poland, they dream about being a villain almost as often as being the hero.

In a similar comparison, it seems that there is a clear divide between countries when it comes to whether it’s more common to dream about becoming a real person or a fictional character.

The ideal dream purchase.

Having explored what people dream about while asleep, in this section, we explore what shoppers across the world consider to be a “dream purchase.” For many shoppers, there is one (or many!) items out there they have been pining over or admiring from a distance. Some items are more obtainable, others are more aspirational. Either way, we checked in with shoppers on how long they’d wait to make a purchase, how much they’re willing to spend, and more.

What triggers a dream purchase?

In some countries, as many as two-thirds of people have an ideal dream purchase they are looking to purchase. And about half say there is a specific event that would trigger a dream purchase. What that occasion is, varies across countries and generations, but the most common reason seems to be moving to a new residence.

Baby Boomers (20%) are four times more likely to consider retirement a motivator for a dream purchase compared to younger age groups (5%) for whom retirement feels much farther away. On the contrary, at the starting point of working life, Gen Z’ers (20%) are ten times more likely to consider graduation a motivating factor compared to Baby Boomers (2%).

Dreaming for someone else.

Shoppers aren’t only thinking of themselves, approximately half also have a “dream purchase” for someone else. Most often, that someone is a family member or significant other—this is consistent across age groups. However, the younger you are, the more likely you are to be planning to surprise a friend over a family member with their ideal dream purchase.

Defining a dream purchase.

The idea behind dream purchases is something that solves a particular need or opens up new life opportunities, and is consistent across generations. However, younger generations are more likely to consider dream purchases as something to support their hobbies, or that has emotional value.

Open up new life opportunities or solve a particular need?

  • Americans and Australians are more likely to consider a dream purchase to open up new life opportunities. At the same time, Canadians and Europeans are more likely to want something to solve a particular need.

The price is right? Or the time?

More than one-third (37%) insist it’s impossible to put a price tag on what should be considered an ideal dream purchase, and most shoppers (55%) say there is no specific timeframe one has to wait for an item to become a dream purchase.

And the older (and more experienced?) a person is, the more likely they are to believe a dream purchase doesn’t have to come with a specific price tag or that they have to wait to make their dreams come true. However, among those who would put a price tag on a purchase, only 15% say it has to cost more than $5,000.

And for those saying one needs to wait a specific time before an item becomes a dream purchase, it appears people are eager to make their dreams come true, considering purchasing the item in roughly 95 days, or three months, on a global average.

Reasons for a dream deferred.

The top hindrance preventing a dream purchase is cost (62%). Overall, the average time people are willing to wait for a discount for their dream purchase is 134 days, or about 4-5 months. At the same time, 26% of people are willing to wait however long they have to, while 13% say they won’t wait for a discount at all.

Gender, more than age, seems to have a bigger impact when it comes to being patient for a good deal. Women (29%) are more willing to wait as long as it takes compared to men (22%), while Baby Boomers are both twice as likely to wait as long as it takes (36%) and not wait at all (19%) compared to Gen Z’ers (16% and 7%).

The objects of dreams.

One common experience we’ve seen across demographics and borders is people dreaming about something they do not yet own or possess—call it the “Rosebud effect,” in honor of Citizen Kane. Moving from the ethereal to the (potentially) more tangible, for many people, there are also items they don’t yet possess but are considered “dream purchase.”

Dreams about missing items.

It’s widespread to dream about participating in an activity requiring an object you don’t have (imagine skiing without the skis). Another common theme involves owning an item you don’t actually possess when you wake up (like a magic wand that turns random objects into pastries). About half (43%) of people can recall dreams with these ideas. In these dreams, people are most commonly participating in sports or exercise without the proper equipment, or owning unique fashion items. One noted difference, men regularly imagine owning high-end electronics only to wake up and realize it was just a dream.

Lemme upgrade ya.

Half (49%) of shoppers worldwide are currently looking to level up or improve something important to them. Among the genders, men are more likely to be waiting to make purchases for Electronics, Entertainment, and Leisure, and Sports & Hobby, while women favor Clothing & Shoes, Jewelry & Accessories, Beauty, and Home & Garden to a greater extent.

The most popular products to dream about are electronics, but comparing all age groups to each other, the priorities more clearly shifts:

  • Gen Z: Beauty, and Jewelry & Accessories.
  • Millennials: Children’s Products, and Beauty.
  • Gen X: Leisure, Sports & Hobby, and Home & Garden.
  • Baby Boomers: Baby Boomers: Home & Garden, and Leisure, Sports & Hobby.

Kicking up the look.

Among those looking for fashion items, shoes are the top item to level up or replace for both women (49%) and men (50%). Apart from footwear, men want new jeans and jackets, while women prefer dresses and jewelry.

Top of the fashion carts.

  • US shoppers are looking for accessories like hats, gloves, and belts (31%) and jewelry (49%) to a greater extent than in any other country, while in Spain (40%) of people are most eager to level up their swimwear.

  • The greatest differential in priority comes around the desire to buy a new bag with New Zealand (37%) and Germany (7%) in stark contrast.

Leveling up their favorite things.

Hobbies are one of the areas where people are actively looking to upgrade or replace their current items. Overall, about 24% of people on average are looking to do so, with some activities (like making music or learning a new instrument) seeming to attract more dream purchases than others.

Gamers want to level up.

  • More than one-third of people playing computer/video games (35%), and those who make music or are currently learning a new instrument (34%), would like to improve an item they use for that activity.

  • The activities people feel less inclined to level up or replace an item are dancing, yoga, and pilates.

Dreams and DIY activities.

More than one-fourth (26%) say DIY activities like painting, sculpturing, knitting, and crocheting are among the things they like to do the most.

The most popular DIY activity for all generations is painting, except for Baby Boomers who prefer knitting. However, comparing the preferences of all age groups to each other, the preferred activities become more diverse—and so do the things they would like to try the most.

The DIY activities that each generation currently do, and would like to try, the most compared to other generations.

Age groupCurrent favoriteWould like to try the most
Gen ZSculpturingKnitting
Gen XCandle & Soap makingJewellery
Baby BoomersKnittingPainting

And that’s that.

Thirsty for more knowledge?

Make sure to check out the other reports available at Klarna Insights.

Um mergulho nas tendências da moda.

Após quase dois anos de interrupção, a indústria da moda retoma o seu crescimento. Com os consumidores a quererem vestir-se bem novamente, as marcas de moda alargam os seus limites para dar resposta às novas exigências. Estas marcas tentam adaptar-se às novas prioridades, ao mesmo tempo que a indústria enfrenta desafios importantes, como o aumento de novas expectativas e normas por parte dos clientes ou de novas fronteiras digitais.

Neste estudo, vamos discutir os quatro temas principais que estão a influenciar a moda na atualidade: os festivais de música, as Fashion Weeks, o metaverso e a fluidez de género. Sob a perspectiva destes temas, vamos investigar as tendências de consumo atuais e a forma de se relacionarem com a moda. 

Boa leitura!


O estudo realizado pela Klarna decorreu em julho de 2022, em Portugal e em Espanha, em colaboração com a Dynata, tendo anteriormente sido realizado em 7 outros países: Estados Unidos, Reino Unido, Austrália, Suécia, Noruega, Finlândia e Dinamarca. Foram realizadas, pelo menos, 1000 entrevistas por país. No total, participaram 10 447 consumidores com idades compreendidas entre os 18 e os 75 anos.

9 países

10 447 consumidores 

A moda nos festivais de música.

Os frequentadores de festivais de música procuram experiências únicas, mas engane-se quem pensa que este público vai aos festivais apenas pela música. Uma variedade de experiências, desde a música, a comida, a cultura e a moda, leva-os, todos os anos, a pisar os terrenos lamacentos. Os festivais de música foram invadidos pela moda, criando uma nova oportunidade para inovar na forma de vestir. 

O renascimento dos festivais de música.

Todos os anos, milhares de pessoas voltam a pisar a relva ou as poças e a dormir em tendas durante a época dos festivais. Há fãs de todas as faixas etárias, o que prova que os festivais não são apenas para os mais jovens. 


dos consumidores portugueses estão a planear ir a um festival de música nos próximos meses.

3 em cada 5

portugueses pertencentes à Geração Z estão a planear ir a um festival de música no mesmo período.

O guarda-roupa dos festivaleiros.

Ao mesmo tempo que volta a realização e o interesse pelos festivais, a moda acompanha e reúne multidões cheias de energia no mesmo lugar. Quando arranca a época dos festivais, a compra de uma roupa nova torna-se parte da diversão, levando os seguidores de tendências diretamente às lojas. Um look casual, divertido ou sexy? Vamos ver quais são os estilos que melhor traduzem o espírito festivaleiro. 


é o estilo mais popular entre os fãs de festivais em Portugal.

1 em cada 2

portugueses pertencentes a geração Millennial já pensou em vestir algo divertido e original durante um festival. 

Os acessórios obrigatórios.

Os fãs de festivais procuram acessórios e roupas que melhorem a sua experiência e que acompanhem as últimas tendências da moda. Vejamos quais são os acessórios mais populares e como se vestem os consumidores quando a diversão está na ordem do dia. 

Casual e desportivo

são os estilos mais procurados quando se trata de acessórios para os frequentadores de festivais em Portugal.

Óculos de sol originais

são o segundo tipo de acessório mais considerado por esse público (42%).

As tendências da passarela.

AsFashion Weeks, ou Semanas da Moda, são um veículo poderoso para que as marcas estabeleçam as tendências da nova estação e tirem partido do conceito “see now, wear now”, ou seja, vender as roupas e os acessórios imediatamente após desfilarem na passarela.  Muitas pessoas acompanham os desfiles de moda, bem como os conteúdos produzidos e divulgados pelos criadores de moda e pelas marcas para se manterem a par das últimas tendências. Aproveitamos esta oportunidade para investigar o interesse e envolvimento dos entrevistados nas Fashion Weeks.

Grande interesse pelas Fashion Weeks.

As Fashion Weeks são eventos para celebrar a arte da moda. Decidimos perguntar às diferentes gerações o que pensam sobre as Fashion Weeks e como interagem com os desfiles. Os consumidores portugueses interessados em tendências de moda parecem estar divididos entre aqueles que procuram ativamente por imagens e transmissões dos eventos e aqueles que não.


dos consumidores portugueses interessados em tendências de moda dizem conhecer as Fashion Weeks e procuram ativamente por fotos e transmissões dos desfiles. 


dos consumidores portugueses interessados em tendências de moda afirmam conhecer as Fashion Weeks, mas não procuram ativamente por conteúdos relacionados com esses eventos. 


As Fashion Weeks mais proeminentes têm lugar nas capitais mundiais da moda: Nova Iorque, Paris e Seul. Quais são as mais populares entre os consumidores que afirmam acompanhar o mundo da moda? As capitais europeias da moda parecem ser as mais populares entre o público de Portugal.

A Fashion Week de Paris

é a mais popular entre os consumidores portugueses que se interessam pelo tema.

A Fashion Week de Milão

é a segunda mais pesquisada pelos consumidores portugueses interessados em moda, depois de Paris.

O poder das redes sociais.

Graças às redes sociais, é agora mais fácil do que nunca acompanhar e assistir aos desfiles de moda, já que os smartphonese as transmissões ao vivo em plataformas digitais são o “novo normal”. Os consumidores encontram inspiração nas redes sociais das marcas e seguem vários tipos de contas: celebridades, marcas de moda, estilistas e/ou influencers. Investigamos quais são os canais com os quais mais interagem durante os desfiles de moda. 

Compras inspiradas nos desfiles de moda. 

As marcas e os looks de moda ganham força durante os desfiles. Desde as passarelas até aos estilos que se veem nas ruas, quais são as peças de roupa que ganham mais destaque e são mais procuradas após os desfiles de moda?

Os sapatos

são o tipo de artigo mais comprado, em média, após serem vistos nas passarelas das Fashion Weeks.

1 em cada 2

consumidores portugueses comprou um vestido inspirado no que viram na Fashion Week. 

A passarela virtual pode ser o futuro?

A primeira Fashion Week do metaverso foi lançada este ano com muitas marcas optando pela apresentação virtual das suas coleções. Essa transição do mundo físico para o virtual é bem vista entre o público? Será que os consumidores estão abertos a viver experiências virtuais e imersivas em vez dos desfiles tradicionais? Tudo aponta para que a passarela virtual possa ser tão interessante como a física. 

8 em cada 10

 interessados em moda acreditam que as Fashion Weeks deveriam tornar-se virtuais/digitais.

A moda instala-se no metaverso.

Existe muito burburinho em redor do metaverso e no seu conceito – que é, basicamente, um ambiente virtual onde as pessoas podem socializar, trabalhar, jogar e comprar. No entanto, para as marcas e a indústria da moda, o metaverso representa um enorme potencial e novas oportunidades de interagir com a Geração Z e compradores conhecedores da tecnologia. Continua a ler para saber o que se diz sobre o metaverso no mundo da moda. 

A mentalidade do metaverso.

A indústria da moda sempre procurou revolucionar a forma de interagir e de se relacionar com os consumidores – o metaverso oferece uma nova forma para que essa interação aconteça. Agora mais do que nunca, as marcas têm a oportunidade de se aproximarem dos seus consumidores e muitos deles já conhecem bem este novo ambiente virtual.

1 em cada 2

consumidores portugueses já ouviram falar do metaverso. 

Os Millenials

são os que melhor conhecem o metaverso, seguidos da Geração Z.

A moda do amanhã.

A moda no metaverso pode ser divertida e oferece uma forma de escapar às limitações da vida quotidiana. Esta também abre um sem-fim de possibilidades para os criadores de moda, as marcas e os consumidores. Um número considerável de pessoas está a abraçar o metaverso e a moda do amanhã. 


dos consumidores portugueses que conhecem o metaverso consideram inspirador que algumas marcas de moda optem por usar avatares como seus embaixadores.


dos consumidores consideram o conceito do metaverso como algo futurista.

A mudança para o campo digital.

O interesse e a interação com o metaverso são reais. Enquanto cada vez mais marcas usam a tecnologia da realidade aumentada e virtual para chegar aos clientes, a grande maioria dos consumidores, por sua vez, afirmam ter vontade de interagir com as marcas e as lojas através do metaverso. 

8 em cada 10

consumidores portugueses que já conhecem o metaverso estariam interessados em comprar artigos de moda no ambiente do metaverso.

8 em cada 10

Millennials que já conhecem o metaverso são os que manifestam maior interesse em comprar artigos de moda de forma virtual nesses ambientes 3D. 

Experimentar roupas virtualmente.

Um número crescente de consumidores está aberto a provar roupas virtualmente e a experimentar novos tipos de experiências e serviços nas lojas.

Quase 3 em cada 5

consumidores portugueses afirmam estar interessados em experimentar roupas através de salas virtuais ou utilizando a realidade aumentada. 

Apenas 8%

não está de modo algum interessado. 

A moda sem género.

O futuro é fluido. Na última década, as marcas de moda têm produzido cada vez mais coleções sem género específico para dar resposta às exigências dos consumidores. A fluidez de género na moda pode ser definida como a ideia de que as roupas não pertencem a um determinado género e que podem ser unissexo, sem estarem etiquetadas como “para homens” ou “para mulheres”, a forma binária de classificá-las. Esse conceito vem reconfigurar, mais do que nunca, as regras da moda, com consumidores a mostrarem um interesse genuíno pelas roupas neutras em termos de género. 

O auge da roupa sem género. 

O movimento da fluidez de género aceita diferentes manifestações de género e permite que a moda seja mais criativa, livre e de mente aberta no que se refere ao género e à sexualidade. Cada vez mais consumidores procuram um vestuário sem género e as lojas esforçam-se por satisfazer estas exigências. 

1 de cada 4

já comprou um artigo de moda fora da sua identidade de género.


dos portugueses pertencentes à Geração Z, em média, já compraram um artigo de moda fora da sua identidade de género. Essa é a geração mais aberta à moda sem género.

Uma tendência que chegou para ficar. 

A grande maioria dos consumidores considera comprar roupas neutras em termos de género no futuro, fortemente influenciados pela Geração Z. 

8 em cada 10

entrevistados ponderam comprar roupas sem género no futuro.

Homens e mulheres

, quase ao mesmo nível, estão dispostos a comprar roupas sem género no futuro. 

O conforto como prioridade.

O conforto é uma das principais razões pelas quais os consumidores estão a escolher peças alheias à sua identidade de género. Marcar uma posição social e alinhar-se à sua própria expressão de género são também aspetos importantes.

O conforto e o design

são os dois principais aspetos a ter em conta ao escolher roupa fora da sua própria identidade de género. 

Quase 10%

dos Millennials procura marcar uma posição social ao vestir ou comprar roupas do outro género. 

É uma questão de personalidade.

Os consumidores estão dispostos a ir além das barreiras sociais e a usar a moda como forma de expressão pessoal. Seja uma questão de funcionalidade, de sentimento de pertença a um determinado grupo ou de expressão pessoal, o poder da moda é infinito. Mas, entre todas as possibilidades, a personalidade aparece como o principal objetivo de expressão através da moda, para os consumidores de todo o mundo. 

A personalidade

é o principal aspeto que os consumidores de moda desejam transmitir através da roupa.

A funcionalidade

é a característica mais procurada por 42% dos compradores portugueses. 

Preto, branco e cinza.

Qual é a paleta de cores mais popular na hora de se vestir? E como se comparam os diferentes países relativamente às cores do seu vestuário? 

Os tons neutros

são os mais escolhidos para as roupas. 


dos compradores portugueses tendem a usar cores primárias.

And that’s that.

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Make sure to check out the other reports available at Klarna Insights.

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Loyalty cards.

Plastic loyalty cards. Most of us have a whole bunch of them stacked in our wallets or lying around at home and have most definitely been offered to sign up to many more. They promise us discounts, cashback and rewards for being loyal customers when shopping in-store. But there are only so many loyalty cards you can fit into one wallet. How can brands convince consumers to sign up to yet another loyalty program? How is shoppers’ behaviour with respect to loyalty cards changing in the face of the rising popularity of mobile payments?

In this report, we deep dive into the attitudes towards loyalty cards across 19 markets, with responses from 20,000 consumers across the world.

Happy exploring!


Klarna research occurred in May 2022, in cooperation with Dynata and across 19 countries (US, Canada, UK, Ireland, Australia, New Zealand, Germany, Austria, Poland, Netherlands, Belgium, France, Sweden, Norway, Finland, Denmark, Italy, Spain, and Portugal). The survey includes a minimum of 1,000 respondents in each country. In total, 20,413 consumers ages 18 to 75 participated.

19 countries

20,413 consumers

Are there more loyalty cards or wallets in the world?

The retail version of the “doors or wheels” brain teaser could be “loyalty cards or wallets”. If you check the homes and pockets of shoppers across the world, will you find more loyalty cards or wallets?

The majority has more than one.

Many retailers offer incentives and benefits to retain loyal customers and it’s clear they are very popular. While very few shoppers are not tempted by discounts and rewards from their favorite retailers, the vast majority has more than one.


have at least one loyalty card.


have more than one.

Most loyalty card holders use it at least one once a week.

Whether you’re shopping for groceries and everyday essentials, making a dream purchase or have found yourself at the checkout with an impulse buy, reward programs appear to work well as an incentive for using loyalty cards. After all, every penny spent counts towards a return. 2 out of 3 are using a loyalty card on a weekly basis, while 9 out of 10 are using them once a month. An estimate based on the frequency of usage shows that the average shopper uses a loyalty card around 108 times each year.

Overwhelming amounts of physical cards.

Today, despite a massive shift towards digital payments, you are still very likely to find a plastic loyalty card in most shoppers’ wallets. But you are equally as likely to find a shopper who has left one or more of their cards at home, or rejected the idea of signing up to another loyalty program altogether, unwilling to carry another card with them while out shopping.

The wide availability of loyalty programs is overwhelming for shoppers.

Ever been out shopping and been asked to join another reward program? You are not alone. We’ve all been there, stood at the checkout weighing up whether it’s worth signing up to another loyalty program. Is the opportunity to save money great enough? Is it worth having to carry another card with me? With the majority of retailers offering a loyalty program these days, consumers are feeling overwhelmed. This sentiment is felt most strongly by younger generations, while the Baby Boomers are the most open to joining new and a broader number of programs.

Many loyalty cards are left behind by shoppers.

Despite the benefits of discounts, rewards and cash back loyalty programs, the majority of shoppers are not bringing all their loyalty cards with them when they go shopping – which means that they risk losing out on the benefits if caught without their card at the checkout.


52% of shoppers don’t carry all their loyalty cards with them.

Gen Z

are the most likely to leave their physical cards at home, and less than a third (31%) have all their loyalty cards available when they go shopping.

The vast majority of shoppers have rejected a new loyalty card.

There are no downsides to signing up for a loyalty card… or are there? Despite loyalty cards being offered to shoppers for free, with the intention to save users money, consumers still reject signing up to new loyalty programs. Why? For the majority, it comes down to how attractive the reward program is, although nearly one-third have also avoided a loyalty program simply because they didn’t want to add another card to their wallet. What’s clear is for retailers to onboard new loyalty members, the kickback needs to outweigh the hassle of signing-up and committing to another card.


of shoppers have rejected a loyalty card. Gen Z’ers (81%) are the most likely to have done so, while Baby Boomers (55%) are the least.


say it is because they don’t want another card to carry with them – or any plastic cards at all.

Missing out on the benefits.

Have you ever reached the checkout to discover you left your loyalty card at home so can’t collect the reward points? Or that you previously declined one in the same checkout because you didn’t want to carry another plastic card? You are not alone with this either, and you are once again more likely a member of the younger generations.

Is the future of loyalty cards digital?

The shift towards digital has never been faster. Today shoppers are in search of more efficient solutions that help them save time and money when shopping. With smart ways to pay on your phone, loyalty cards will follow a similar transition.

Shoppers are positive towards replacing their plastic cards with a mobile app.

Unsurprisingly, given that shoppers express feeling overwhelmed by the amount of loyalty programs available and as a result, the number of plastic cards they need to carry with them, an overwhelming majority are positive towards carrying them digitally.

73% of shoppers globally are positive about replacing their plastic cards with an app that stores all of their loyalty and rewards programs digitally. While this trend is reflective across demographics, the sentiment is the strongest among the younger generations, with 81% of Gen Z’ers and 82% of Millennials look forward to a future in which they never miss out on potential benefits in the checkout when shopping at their favorite stores – assuming they wouldn’t leave their smartphones at home.

And that’s that.

Thirsty for more knowledge?

Make sure to check out the other reports available at Klarna Insights.

Shopping pulse: Portugal!

This report explores the evolving shopping habits in Portugal.

This insights report provides an overview of how Portuguese go about their shopping and compares their habits to 11 other markets (the US, UK, Australia, Germany, Austria, the Netherlands, Belgium, France, Sweden, Norway, and Finland).

Shopping habits and behaviors are changing, and the most significant shift is around digital. The Portuguese anticipate rapid digital transformation, notably with evolving digital payment preferences.

Happy exploring!


Klarna’s Survey was sent out online in collaboration with research agency Dynata to a representative sample of 1,013 Portuguese consumers aged 18-65+ in February 2022.

The Portuguese data has been compared to the countries in Klarna’s recurring Shopping Pulse, which includes 19,000 respondents across 11 countries (the US, UK, Australia, Belgium, France, Austria, Germany, the Netherlands, Sweden, Norway, and Finland).

1,013 Portuguese respondents

in comparison with 19,000 respondents, across 11 countries

The Portuguese are anticipating rapid digital transformation.

Online shopping has accelerated amid the pandemic. And there are no signs of the digital transformation slowing down. Shoppers’ preferences towards online shopping continue to rise even as restrictions in physical stores worldwide are easing.

A year from now.

Over the past two decades, online shopping has pivoted from something for early adopters and enthusiasts into the preferred way to shop for people worldwide. Technological innovation will continue to marvel and excite, retailers will continue to improve their digital offerings, and the digitalization of retail will continue to shape the future of shopping.


Portuguese shoppers believe they would shop mostly online a year from now, showing an increasing preference for online shopping.


Gen Zers believe the same, standing out as the generation thinking they would shop mostly online in the future.

Weekly online shoppers are less common in Portugal compared to other countries.

Portuguese shoppers’ preference for in-store shopping is noticeable—a higher proportion of purchases (on a weekly basis) are done in-store rather than online.


of Portuguese shoppers shop online at least once a week—which compared to other countries is the lowest.


difference compared to the average of other countries

Some categories appear more available online than others.

While some retail categories are shopped more often online, physical stores still see certain product types bought more often in-person. And the biggest differences are found across some of the most commonly-bought categories—indicating an opportunity for disruption—as online shopping’s main drivers are convenience and the ability to save time.

The charts below show the average percentage of shoppers in each market who have shopped the category online and in physical stores respectively.

Electronics and Entertainment

Are the only product categories in Portugal shopped more often online than in physical stores.

Clothing & Shoes

the largest online shopping category in other countries, are more often bought in physical stores (63%) than online (51%) in Portugal. However, Gen Z’ers are about as likely to shop both online (63%) as in physical stores (65%).

Main advantages of online shopping.

The convenience of shopping from the comfort of their own homes while saving time and money are considered the main advantages by online shoppers in Portugal.

Gen Z’ers

consider more personalized offers, better search functionalities, and the ability to create digital wishlists as more significant advantages as compared to older generations.


consider the price comparisons, wide range of products, and time saving as the significant advantages as compared to other generations.

Convenience is key.

Home delivery is the preferred delivery method for the vast majority, and “Click and collect” options comes in at a distant second place.


have the widest array of preferred delivery methods overall, yet home delivery outpaces everything with a staggering 87% preferring it.

Mobile shopping on the rise.

When shopping online, the majority of Portuguese shoppers prefer using computers. However, preferences are shifting as smartphones and tablets continue to take screen time from computers, and mobile devices are expected to play a central role in the continued digitalization of retail.

Mobile shopping is on the rise.

Mobile shopping has risen with the evolution of smartphones, and Portugal ranks among the top countries seeing the most rapid shift. Gen Zers and Millennials are the main drivers for this shift, but the older generations are not far behind.

7 in 10

of Portuguese shoppers shop more often on their mobile phone vs 2 years ago (before the pandemic).


of Baby Boomers in Portugal – more than their generational counterparts in all other countries – have done the same.

Computers are still preferred.

The majority of Portuguese consumers prefer computers over mobile devices when  shopping online.


of Millennials prefer to use their mobile phones—the highest out of all generations in Portugal.

9th out of 12

Among the surveyed countries, Portugal ranks among the lowest for mobile preference.

Overview of mobile shopping-related activities.

More informed mobile shoppers.

While retail’s digitalization has given additional power to the consumer—including more choice and information—it has also made the decision-making process more complex. When shopping, mobile’s most valuable traits are price comparisons, and actively looking for deals and promotions. The ability to keep track of shopping deliveries and returns is also one of their top considerations when shopping online.

The chart illustrates the main activities of consumers when shopping with their mobile phone.


compare prices and look for deals and price promotions online.

First out of 12

The Portuguese are meticulous when it comes to using technology to keep track of their deliveries and returns.

Current online shopping hurdles.

The Portuguese intend to shop more online a year from now, but the current shopping experience is still too complex and inconvenient.

Major drawbacks of online shopping.

Although online shopping is known to have many advantages (such as lower prices, gaining time or doing it from home, etc.) most consumers find certain disadvantages when doing so.

Shipping costs, the inability to see and try the product, and uncertain/long delivery times
are currently considered the top disadvantages of online shopping


of Gen Zers are considering the inability to see and try the product as the main online shopping disadvantage.

Lengthy refund processes.

The majority of online shoppers experience a similar hiccup in their experience, waiting several days for their refund after they’ve returned their items.

More than 7 days.

Portuguese shoppers wait anywhere from 3 to more than 7 days to get their money back after returning an online purchase.

An inconvenient returns process.

The majority of consumers in Portugal find the returns process sub-optimal and believe retailers need to improve this area.


of Portuguese shoppers currently think retailers should improve their returns processes.


of Baby Boomers say the same, while 73% of Millennials seem to find returns a hurdle.

Evolving digital payment preferences.

Shoppers have a strong desire to shop more online but are held back by what they believe to be a cumbersome experience. Consumers are looking for better ways to pay and want retailers to invest in new technology to make the shopping experience better.

Online payments.

In addition to logistics and returns, payments are also perceived as major pain points: Half of the Portuguese shoppers (53%) are looking for easier ways to pay online, and 3 in 5 (60%) would be encouraged to buy more online if wider choices of payment options were available. For instance, 82% would think more positively towards an online retailer if shoppers could receive goods before paying the entire amount.


are concerned about the security of their payment information when shopping online

Try before you buy.

Today, customers expect  variety among their payment methods. People would prefer to use payment methods that enable them to try goods out before paying.


of shoppers in Portugal would be more positive towards buying from an online store that enabled them to get goods delivered before paying.

Buy now, Pay Later.

There is a very positive sentiment for services enabling shoppers to receive goods before they pay among Portuguese online shoppers.


would like to try a Buy Now, Pay Later service—only 5% wouldn’t


say flexible payments would help them shop with peace of mind.

That’s it for this time!

The insights in Klarna’s Money Management Pulse is updated on a quarterly basis, so stay tuned for future updates.

Thirsty for more knowledge?

Make sure to check out the other reports that are available at Klarna Insights!