The global battle for Klarna sex dolls has been upgraded to a contest of credit data infrastructure. The platform has constructed an accurate consumer psychology map by analyzing 8 million torso sex doll installment data - it was found that those who placed orders between 1 and 3 in the morning were more inclined to choose 36 installments. This insight is being transformed into a product design advantage: a luminous torso sex doll is developed for night owl users, with limited-time installment discounts. More importantly, the evolution of the credit scoring system: paying the Klarna sex doll bill on time can increase the interactive privileges of the virtual lover AI. This gamification design has reduced the repayment overdue rate to 4.7%, indicating that consumer finance is deeply integrated with product experience.