I don't think that's true at all? From my experience and research, China seems quite proud of it's diversity. The five colors of the original ROC flag symbolized this diversity, though a bit simplified, as the "Five races under one union" (han, manchu, mongols, muslims, tibetans). This term is one of the "Three Principles of the People" formulated by Sun Yat-sen (who founded KMT and is venerated in both mainland China and Taiwan). It's foundational to both Chinese republics.
(but if we're talking about the language, then "Chinese" is mandarin Chinese unless otherwise specified)
To me, Paypal is something I use to pay online so I don't have to fill in my credit card info everywhere. Klarna fills that niche for most Swedish stores nowadays. But from the website, it seems that this app is mainly meant for person-to-person payments - similar to Swish (kinda only available in Sweden I think)?
Curious if this will be able to conquer the nordics where we already have Klarna for person-to-business and Vipps/Swish/Mobilepay (depending on country, Vipps seems to be growing out of Norway though). Feel we're very content with our alternatives here already.