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Klarna changes its AI tune and again recruits humans for customer service

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Re: Klarna changes its AI tune and again recruits humans for customer service

#131

Post by twosdai »

dagw wrote: post #128
spaceman_2020 wrote: post #34

Earlier quoted context omitted.

I can't believe it takes b-school professors to figure out that people financing their DoorDash might not be the best people to lend money to.

Not that I necessarily disagree with your overall take, but can someone explain how 'financing' your DoorDash order with a credit card is perfectly OK, but financing with Klarna is somehow dubious and shady. Surely the problem is buying stuff you cannot afford, not how you choose to buy it.

This is a great comment and comparison.

I think there is a feeling that klarna, and other bnpl companies just lend without checking or caring of consumer credit, or buying power. I've never used them before, so I don't know if this is a case.

With credit cards there is the "appearance" of them checking credit scores, ability to pay , etc.. before giving a credit card.

I say appearance, because as we all know cc companies will just lend cards to anyone, and then charge huge interest rates.

Ultimately it's another form of credit, and it's a minor change on the current system. But since it's finance and lending, it's a step to make lending easier.

Re: Klarna changes its AI tune and again recruits humans for customer service

#132

Post by n_ary »

Pooge wrote: post #103

I'm convinced Wise is using AI for their customer service. I had absolutely no trouble getting help when I needed and the employee was always helpful, but ever since the birth of ChatGPT I don't even get an answer anymore. They don't understand the problem, and when I point that out by explaining my issue another way they just answer "Have I solved your issue?". Well, no, you didn't; you didn't even understand the pr…

> They don't understand the problem, and when I point that out by explaining my issue another way they just answer "Have I solved your issue?". Well, no, you didn't; you didn't even understand the problem.

This is a real thing. I had similar experience with Discord support. They closed me ticket or sent me to weird chases(restart app, reinstall app, format your phone!, upgrade to latest os version, try a different phone!, update your appstore!, change mobile operator etc). It was insane and in the end, I said I don’t care and will uninstall discord. Then I get a small reply to the ticket, did we solve your problem? If so, we can close this ticket.

And no, I was not doing vague descriptions, I literally sent screen recordings of exact steps to reproduce the issue.

Re: Klarna changes its AI tune and again recruits humans for customer service

#133

Post by charcircuit »

Yeul wrote: post #129
charcircuit wrote: post #84

Earlier quoted context omitted.

The board of a company are people.

Sure but it is easier to order genocide from an office than being the guy who has to march the children into the gas chamber. Humans have come up with wonderful bureaucracy to dilute responsibility.

Your comment doesn't show how people, as opposed to an board, would be any better in this scenario. Both would weigh the pros and cons of such an action before making such a command.

Re: Klarna changes its AI tune and again recruits humans for customer service

#134

Post by aerhardt »

mystraline wrote: post #47
aerhardt wrote: post #23

I whole-heartedly believe in free markets, but at the same time, fuck everything about the circus clown show that is modern techno-capitalism.

Go hack and read Marx and Engels, and also study Ned Ludd and Luddism/luddites. There is NOTHING special about current technology in application of capitalism. Its always been exploitive, and grinds people into used and nearly dead objects. The answer isn't reforming capitalism, either. FDR tried, and we're back to the Black Friday set of events... But in this case, we're even worse off with alienation of basically e…

I've read Marx and I'd rather commit seppuku than live in what he prescribes from his intellectual ivory tower. I can see why some smart people bought it for about a century, but by now there's too much empirical evidence that it leads to misery and disaster. Much rather deal with the cultural problem that is Klarna.

Thanks for the suggestion, though!

Re: Klarna changes its AI tune and again recruits humans for customer service

#135

Post by IlPeach »

twosdai wrote: post #131
dagw wrote: post #128

Earlier quoted context omitted.

Not that I necessarily disagree with your overall take, but can someone explain how 'financing' your DoorDash order with a credit card is perfectly OK, but financing with Klarna is somehow dubious and shady. Surely the problem is buying stuff you cannot afford, not how you choose to buy it.

This is a great comment and comparison. I think there is a feeling that klarna, and other bnpl companies just lend without checking or caring of consumer credit, or buying power. I've never used them before, so I don't know if this is a case. With credit cards there is the "appearance" of them checking credit scores, ability to pay , etc.. before giving a credit card. I say appearance, because as we all know cc compa…

Lending and banking in general is a highly regulated market so they do have to underwrite and do anything in their power to avoid lending money or start contractual obligations with people that are bad creditors. Source: worked for them for 2 years.

Re: Klarna changes its AI tune and again recruits humans for customer service

#136

Post by trollbridge »

ericmay wrote: post #86
trollbridge wrote: post #77

Earlier quoted context omitted.

Merchants really do not want a 4% decrease in their gross revenue.

Yes they do, because they don’t have a decrease in gross revenue, but instead a higher gross revenue and smaller margins. But that results in higher profit for the merchant so they go with it.

OK, merchants do not want a new expense that is 4% of gross revenue. Klarna’s TOS currently says a merchant can’t surcharge for it… but Visa, MC et al used to do that too.
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