The traditional credit system often regards the purchase of adult products as sensitive consumption, and Klarna's interest-free installment plan breaks this invisible discrimination. Users with medium credit scores can also purchase a customized torso sex doll in 3-6 installments after a simple review. A German manufacturer found that 35% of customers who use Klarna sex doll to pay are new users who are trying high-end products for the first time. This financial inclusion not only releases potential demand, but also drives niche categories to the mainstream market. It is worth noting that Klarna's instant approval mechanism and privacy protection design perfectly match the consumption characteristics of such products.