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The financial innovation of Klarna sex dolls unexpectedly opened up the market for low-income groups. The high price of traditional torso sex dolls (average 2300) was once the main consumption barrier, but
Klarna’s flexible payment plan reduces the monthly payment to 65. According to a study by New York University, the proportion of hourly wage workers among new users of this category during the epidemic jumped from 12% to 39%. The "shared rental" model that emerged in Brazilian slums is more instructive - residents jointly purchase high-end torso sex dolls and share the cost through Klarna's bill splitting system. This market sinking driven by payment tools has reconstructed the class consumption map of the adult products industry.