Yeah. Klarna has BankID but it doesn't make them half bastards as they log in to users banks as the user, where they can see all account balances and purchases.
they do what? how is that even possible? even if I never coupled my account to them?
It is called open banking. Banks are 'anti-competitive' so some people managed to lobby in a directive that forces banks to provide apis for companies like Klarna to access their bank accounts. All you have to do is accept tos.