The buy now, pay later fintech company Klarna wants to become a real bank. The Swedish company just announced its plans to establish a U.S.-based subsidiary known as Klarna Bank USA. If approved, the FDIC-backed bank would set up shop out of Utah. “Banking is built on trust,” Klarna CEO and co-founder Sebastian Siemiatkowski said in the announcement. “We’ve seen firsthand the appetite for a fairer, more transparent approach in the U.S., and our own banking license is the natural next step.”  Wit