Klarna sänker prognos: 'USA växer väldigt starkt'
Swedish studio interview the day of the Q3 guidance cut: he puts the shortfall on markets outside the US and insists US growth is still very strong.
Sebastian Siemiatkowski
Co-Founder, CEO & Director, Klarna Group plc (KLAR)
The CEO view
Co-founded Klarna in Stockholm in 2005 as a Stockholm School of Economics student and has run it through a banking licence, a $45.6bn private mark, an 85% markdown and a New York listing. Best known for pushing Klarna from buy-now-pay-later into a credit-card challenger, and for an AI rollout that cut headcount from roughly 6,000 to 3,000 before he publicly reversed part of it.
Earnings calls
Podcasts, interviews & articles
10 recorded appearances
2026
Klarna's Sebastian Siemiatkowski on Agentic Commerce, Credit Cards, & Financing Everything
Argues brand preference survives agentic shopping — "if you have preference, it doesn't matter that much how many buttons are in the checkout" — and revisits what he now concedes was overstated about the AI customer-service experiment.
Klarna CEO Sebastian Siemiatkowski Talks Company Evolution at Money2020 Europe
Short on-floor interview framing Klarna's shift from buy-now-pay-later into a broader banking and commerce product.
Klarna CEO: SaaS is Dead: Why Systems of Record Will Die in an Agentic World
His thesis is that falling switching costs, not AI features, are what kill SaaS systems of record. Says Klarna went from roughly 6,000 people to 3,000, that customer-service AI has to be built rather than bought, and calls passing on Nubank a billion-dollar personal miss.
From the frontier: Lessons from Klarna's ambitious AI rollout
Concedes the AI push went too far — "I had to pay a lot for saying that. People were very angry with me" — and describes the correction: AI supporting humans as VIP treatment, including hiring Klarna's own customers as remote part-time contractors.
Siemiatkowski: Credit cards lure customers into high debt traps
Argues buy-now-pay-later is safer than revolving credit on interest, loss rates and real-time underwriting, and backs proposed credit-card rate caps.
2025
TFR2025 - Keynote Klarna, Sebastian Siemiatkowski, Co-founder & CEO
Solo conference keynote on the AI rebuild and Klarna's positioning against the card networks in European retail.
Klarna CEO Sebastian Siemiatkowski On IKEA, Vibe Coding, Stablecoins And Visiting Sam Walton's Grave
IPO-week sit-down: the Walmart and IKEA fixation as his operating model, his own unofficial use of Cursor to write code, and why he reversed his position on stablecoins.
Inside Klarna's IPO CEO Sebastian Siemiatkowski
Recorded at the NYSE: says Klarna was burning about $100m a month and swung to $1-2m of monthly profit within two years, and frames the company as an attack on the $1.2tn US credit-card market rather than a BNPL business.
Klarna CEO Sebastian Siemiatkowski on the IPO, Loving Walmart, and Embracing AI
Traces the Walmart obsession back to his family's arrival in Sweden, insists the model is broader than BNPL, and describes AI moving financial services toward customer-controlled advice.