Shows
Everything is FintechEverything is Fintech Live: With Klarna's CMO, David SandstromOn the latest episode of Everything is Fintech, recorded live at Money20/20 Europe, hosts Zach Anderson Pettet and Mickey Tesfaye sit down with David Sandstrom, the visionary CMO behind Klarna's distinctive brand identity.Sandstrom reveals how Klarna deliberately broke away from traditional financial marketing, rejecting the "blue, boring, male, suited-up" aesthetic that dominates banking, to create something that resonates emotionally with consumers. With refreshing honesty, he discusses the philosophy that beauty and aesthetics are fundamental to building consumer trust and loyalty, even in the seemingly mundane world of payments.From Klarna's journey from S...2025-07-2549 min
閱讀進行式#73 Klarna 的 BNPL 革命：Sebastian 的逆襲之路來自移民家庭的 Sebastian 8 歲時每天只能吃鬆餅度日，不是因為愛吃，而是因為家裡只剩下麵粉和牛奶。父母因為缺錢天天爭吵，最終離婚收場。 20年後，這個移民之子創辦的 Klarna 估值達456億美金，服務全球1億用戶，徹底改變了人們的購物方式。 為什麼重要？ 人格特質是每個人的不平等優勢，每個人都可以從自己生活經驗找到市場需求，創造屬於自己的事業，Sebastian 的人生就是一個從底層逆勢翻盤的故事。 在這期的內容將涵蓋：窮困的童年：塑造金錢價值觀在工作中看見契機：BNPL 的原型六個月的實驗：Kreditor 初創BNPL 先買後付：商業模式解碼數字背後的掙扎：盈利為何如此艱難？AI 公司實驗：與 OpenAI 的合作估值雲霄飛車：從 456 億跌至 67 億，再迎上市機會？下一站在哪裡：Klarna 能否重整旗鼓？結語：逆天改命的 Sebastian / 節目時間軸 (04:56) Klarna 公司介紹與創辦人背景 (17:40) Klarna 創業歷程與早期發展 (24:02) Klarna 商業模式與營收分析 (35:58) Klarna 的 AI 實驗 (45:41)Klarna 的估值變化與未來展望 / 👉🏻 Substack 免費閱讀完整文章 / 訂閱電子報 👈🏻 我跟許多人一樣，面對現在世界變化快速、資訊爆炸，容易陷入焦慮之中，但在焦慮的同時，我也看到許多令人興奮的成長可能，這就是我創辦這個電子報的原因－我希望與你一起探索個人與社會的成長之道 你將獲得什麼？ 我將會從書籍、文章深入研究後，結合我的反思與觀點，提煉出一篇實用的文章，主題涵蓋：掌握自我成長策略：發掘實用的策略與工具，幫助你在個人層面成長──無論是提升生產力、時間管理、目標設定等，把這當作你在面對變革時的成長工具箱科技新創發展故事：分析創新的科技公司、產品及其背後的人物故事，幫助你掌握最前沿的科技潮流，挖掘可應用於自己人生的靈感洞察社會變遷趨勢：幫助你理解社會體制、政治經濟的變遷趨勢，及其如何影響每個人的生活，為未來的變動做好準備 為什麼 《變革成長指南》 值得訂閱？ 正如科幻作家威廉．吉布森 William Gibson 說過：『未來已經到來，只是分佈還不平均。』The future is already here – it's just not evenly distributed. 未來的線索早已現身，只待我們細心發掘。只有深入了解這些變化背後的因果關係，才能更好地採取行動，讓我們一起連結知識、激發成長，共同迎向這個變革的時代！ 📖 方格子閱讀文章 📸 追蹤 Instagram ✉️ 與我聯繫 read.in.progress.0@gmail.com Powered by Firstory Hosting2025-07-1451 min
Binario 11 – La storia della finanza mentre la stai vivendoBuy now, pay never – Klarna è nei guaiKlarna, una società leader del mercato del buy now pay later, ha pubblicato i risultati aziendali del primo trimestre del 2025, mostrando un aumento delle perdite dovute a persone che non riescono o scelgono di non pagare le rate in tempo.
Ad aiutare Klarna a ridurre queste perdite potrebbero arrivare le grandi banche d'investimento di Wall Street, attraverso la creazione di un nuovo prodotto finanziario, il burrito bond.
Fonti:
https://www.ft.com/content/6c4bf393-c80b-42b7-993a-35270143f688
https://www.marketwatch.com/story/are-bonds-based-on-burrito-orders-next-after-the-klarna-and-doordash-partnership-5230295b
https://www...2025-05-2734 min
BTS | Behind the Scenes | Der Personal Branding, Marketing und Business Podcast#17 Klarna | Fintech, Female Leadership & Future Shopping | Nicole Defren | Head of Northern & Central Europe#17 Klarna | Fintech, Female Leadership & Future Shopping | Nicole Defren | Head of Northern & Central EuropeWie Klarna Payment, E-Commerce und Diversity neu denkt.Was passiert, wenn eine der einflussreichsten Frauen der Fintech-Branche Europas Einblicke hinter die Kulissen eines globalen Payment-Giganten gibt? In dieser BTS-Episode begrüßt Host Max Ostermeier Nicole Defren – Head of Northern & Central Europe bei Klarna und echte Macherin im internationalen Finanz- und E-Commerce-Kosmos.Nicole Defren ist seit über 14 Jahren Teil von Klarna und hat die Entwicklung vom schwedischen Payment-Startup zum globalen Tech-Powerhouse hautnah mitgestaltet. Als eine der ersten Mitarbeiterinnen in Deutschland hat si...2025-05-141h 01
Fintech TakesFintech Recap: Klarna Goes Public, Mercury Splits, and Lending…Can HurtWelcome back to the Fintech Takes podcast. I’m Alex Johnson, and as always, I’m joined by my partner-in-crime, Jason Mikula. Today, we’re unpacking Klarna’s public debut, the growing rift between Mercury and Evolv, and why getting wrecked might just be the best education in lendingFirst up, the BNPL giant Klarna has finally gone public, filing an F1 as a foreign entity. Now as a public company, we’ll get to see their actual numbers. With 93M active consumers, Klarna isn’t small, but its path to profitability is still a question m...2025-04-091h 04
mffm - エムエフエフエム#89 2兆円規模の巨大IPOか、BNPLの雄「Klarna」の目論見書を読む - WorldFintechNews2025年3月# タイムスタンプ(11:01) 2兆円規模の巨大IPOか、BNPLの雄「Klarna」の目論見書を読む# トピックス2兆円規模の巨大IPOか、BNPLの雄「Klarna」の目論見書を読む本Podcastでも何度も取り上げてきたKlarnaがついに上場を申請し、米SECに上場目論見書を提出しました。ピーク時に$45.6BをつけたValuationは一時$6.7Bまで下がり、歴史的なダウンラウンドを経験した同社ですが、今回のIPOでは$15B規模の時価総額が見込まれ、鮮やかなカムバックを遂げようとしています。今回はKlarnaについて、下記のトピックで語っています。青年三人の学生起業から、複数のピボットを経た紆余曲折の創業ストーリーIPOに向けた秀逸なPR戦略銀行業界の変革を誓ったCEOレタービジネスモデル、業績の軌跡、そしてAffirmとの比較から見える違い参考資料Form F-1: https://www.sec.gov/Archives/edgar/data/2003292/000162828025012824/klarnagroupplcf-1.htmThe Information: https://www.theinformation.com/articles/klarnas-measly-ai-savings?rc=i6jawvTechCrunch: https://techcrunch.com/2020/12/08/making-sense-of-klarna/Mostly Metrics: https://www.mostlymetrics.com/p/klarna-ipo-s1-breakdownFintech Business Weekly: https://fintechbusinessweekly.substack.com/p/klarna-files-ipo-paperwork-puts-pr# 話し手瀧 俊雄執行役員 グループCoPA(Chief of Public Affairs) 兼 Fintech研究所長https://twitter.com/sutebuu小林 豪https://twitter.com/GOU_00132025-03-2846 min
Get Out of Debt Guy | Smart Debt Solutions for Your Financial FreedomFries Now, Regret Later? Klarna, DoorDash & the Debt Trap You Didn’t See ComingExplore the financial implications of financing food. Steve and Damon unpack the true costs of using Klarna for deliveries. In this episode of the Get Out of Debt Guy Podcast, Steve and Damon dive into the mind-boggling world of financing your fries. That’s right—DoorDash is now letting you pay for takeout in installments with Klarna. Sounds convenient… but is it a clever trick or a financial trap?From missed payments tanking your credit score to racking up phantom debt for burgers and burritos, we unpack the real cost of this global trend. You’ll hear...2025-03-2434 min
Run the NumbersKlarna IPO: S1 BreakdownKlarna, the Swedish fintech powerhouse, is going public on the NYSE (ticker: KLAR).This marks a major moment for the Buy Now, Pay Later (BNPL) space. This IPO will test whether investors believe BNPL is a smarter alternative to credit cards—or another form of subprime lending in disguise.A few years ago, Klarna was worth $46B in private markets. Now? It’s eyeing a $15B-$20B valuation—a stark reminder of how fintech sentiment has shifted in a world of higher interest rates.7 Key Themes:1️⃣ Klarna is going public at a fraction of its peak valuation.2️⃣ AI-driven cost cutting (autom...2025-03-2227 min
Omni Talk RetailWalmart Ditches Affirm for Klarna – Here's Why It’s a Big DealIn the latest edition of Omni Talk’s Retail Fast Five, sponsored by the A&M Consumer and Retail Group, Mirakl, Simbe, Infios and Ocampo Capital Chris Walton and Anne Mezzenga discuss: Walmart going all-in with Klarna as its sole Buy Now, Pay Later provider—ditching Affirm and integrating BNPL into its OnePay FinTech app. Chris and Anne explore why this is more than a simple switch, and how it positions Walmart to become a dominant force in payments.(0:03) – Walmart drops Affirm, partners exclusively with Klarna for BNPL(0:30) – Klarna to underwrite loans, Walmart’s OnePay to handle cu...2025-03-2205 min
Omni Talk RetailWalmart Ditches Affirm for Klarna – Here's Why It’s a Big DealIn the latest edition of Omni Talk’s Retail Fast Five, sponsored by the A&M Consumer and Retail Group, Mirakl, Simbe, Infios and Ocampo Capital Chris Walton and Anne Mezzenga discuss: Walmart going all-in with Klarna as its sole Buy Now, Pay Later provider—ditching Affirm and integrating BNPL into its OnePay FinTech app. Chris and Anne explore why this is more than a simple switch, and how it positions Walmart to become a dominant force in payments.
(0:03) – Walmart drops Affirm, partners exclusively with Klarna for BNPL
(0:30) – Klarna to underwrite loans, Walmart’s OnePay to handle customer experience
(1:10) – Walmart’s OnePay valued...2025-03-2105 min
This Week in Pre-IPO StocksE190: Klarna's IPO is big for venture; Are you ready to give all your personal data to get a proper AI assistant?Send us a text00:25 - Klarna's IPO is Big For VentureThe team kicks off the episode with a deep dive into Klarna’s upcoming IPO, highlighting its strong financials and competitive position. Klarna reported $2.8 billion in 2024 revenue, up 23% from the previous year, with net income reaching $232 million — a 108% increase. The company also processed $105 billion in gross merchandise volume, reflecting a 98% jump. Klarna now boasts 93 million active customers and 675,000 merchants, with a major win coming from Walmart’s decision to switch from Affirm to Klarna for its payment services. Klarna’s current secondary market valuation sits at $10.5...2025-03-1831 min
Banking on Disruption DailyTrump Nominates Bowman for Fed Vice Chair, Klarna Replaces Affirm at Walmart, Oracle Eyes TikTok takeover, & Highlights From Day One of CBA LIVEPresident Donald Trump has nominated Michelle Bowman as the next vice chair for supervision of the Federal Reserve, a decision that underscores her considerable expertise in inflation regulation and banking. This nomination comes in the wake of Michael Barr's resignation from the position, and if confirmed, Bowman intends to strengthen the banking system through enhanced regulatory transparency. In other significant developments, Klarna has been chosen as the exclusive Buy Now, Pay Later (BNPL) provider for Walmart, effectively replacing Affirm, thereby expanding Klarna's influence in the U.S. market as it approaches its initial public offering. Additionally, Oracle is reportedly...2025-03-1804 min
StrictlyVC NewsAI Agents, Klarna Filing, and Foxconn FrustrationThis edition of the StrictlyVC newsletter covers a range of topics within the technology and venture capital landscape, including the ambiguity surrounding "AI agents," significant funding rounds, Klarna's long-awaited IPO filing, growing frustrations at Foxconn due to Trump-era tariffs, and other notable news items.1. The Ambiguity of "AI Agents": A Central Point of ConfusionA significant portion of the newsletter focuses on the widespread use and lack of clear definition of the term "AI agent." While tech leaders from major companies like OpenAI, Microsoft, and Salesforce are bullish on the potential of AI agents to...2025-03-1517 min
Side Hustle WeekendHow Klarna is Using AI to Revolutionize Finance: Fewer Jobs, More Profits & No SaaSKlarna, the Swedish BNPL giant, is undergoing a radical transformation—driven entirely by Artificial Intelligence. From automating customer service and slashing costs to boosting profitability and replacing traditional SaaS providers, Klarna’s AI strategy is reshaping the financial industry.🔹 Key Highlights:✅ AI-powered customer service – Klarna’s AI agent now handles two-thirds of all customer queries, cutting resolution times from 11 minutes to just 2 minutes.✅ Massive cost savings – AI has helped Klarna save $10 million per quarter and replace major SaaS platforms like Salesforce and Workday.✅ Fewer employees, more efficiency – Klarna is reducing its workforce from 5,000 to 2,000, making AI a central pillar of its operations.✅ 2...2025-02-1613 min
CLM Activa RadioDIARIO EN MOVIMIENTO 12-2-2025 App de la semana. KlarnaEn este episodio de App de la semana, hablamos de Klarna, la aplicación que ha tomado el relevo de Stocard, una de las apps más populares para almacenar tarjetas de fidelización. ¿Qué ha cambiado con esta transición? ¿Qué mejoras ofrece Klarna y qué diferencias tiene con su versión anterior? Vamos a analizarlo en detalle.
Historia y evolución: de Stocard a Klarna Stocard: el origen.Lanzada en 2011, Stocard nació con la idea de digitalizar las tarjetas de fidelización para que los usuarios no tuvieran que cargar con versiones físicas.
En poco tiempo, la app ganó popul...2025-02-1208 min
Diario en MovimientoApp de la semana. KlarnaEpisodio 603 del podcast. App de la semana: Klarna, la aplicación para guardar las tarjetas de fidelización.En este episodio de App de la semana, hablamos de Klarna, la aplicación que ha tomado el relevo de Stocard, una de las apps más populares para almacenar tarjetas de fidelización. ¿Qué ha cambiado con esta transición? ¿Qué mejoras ofrece Klarna y qué diferencias tiene con su versión anterior? Vamos a analizarlo en detalle.Historia y evolución: de Stocard a Klarna 📌 Stocard: el origen2025-02-1208 min
Entrevistas a Product Leaders"Llegamos a España y NO nos conocía nadie" | Daniel Espejo, ex General Manager de Klarna🔗 Libros mencionados:
- Inspired de Marty Cagan: https://amzn.to/4ffaUf0
🎙️ Escucha este episodio en Spotify: https://creators.spotify.com/pod/show/danidiestre/episodes/Las-Claves-para-hacer-Product-Discovery--Nacho-Bassino--Product-Coach-e2rqmnv
En este episodio de entrevistas a Product Leaders, Daniel Espejo, Ex General Manager en España y Portugal de Klarna, nos explica su experiencia trabajando en Producto y fundando su primera startup de Posicionamiento de Producto en LLMs.
También, hablamos de muchos temas como:
✅ Perfil Generalista vs Especialista...2024-12-111h 16
AI OutcomesHow Fintech giant Klarna used AI to ditch Salesforce & WorkdayIn this episode Ben dives deep into Klarna–the buy-now-pay-later giant–and how they are using generative AI.Source articles: https://www.bbc.co.uk/news/articles/c80e1gp9m9zo https://fintechmagazine.com/articles/klarna-bnpl-fintech-uses-gen-ai-for-us-10m-marketing-cuts https://www.msn.com/en-us/money/companies/klarna-shuts-down-salesforce-as-service-provider-workday-to-meet-same-fate-amid-ai-initiatives/ar-AA1pAuaH?ocid=finance-verthp-feeds&ref=connectingthedotsinpayments.com&apiversion=v2&noservercache=1&domshim=1&renderwebcomponents=1&wcseo=1&batchservertelemetry=1&noservertelemetry=1&utm_source=substack&utm_medium=email https://seekingalpha.com/news/4144652-klarna-shuts-down-salesforce-as-service-provider-workday-to-meet-same-fate-amid-ai-initiatives https://www.performancemarketingworld.com/article/1888702/klarna-ditches-salesforce-plans-cut-workforce https://www.itpro.com/technology/artificial-intelligence/how-is-he-doing-this-marc-benioff-questions-klarna-ceo-s-scrapping-of-workday-salesforce-in-saas-consolidation-drive #klarna #figureAI #tesla #aioutcomespodcast #bendrakes #aipodcast #bendrakesuniversity2024-11-2024 min
Fintech Insights & Conversations with Efi PylarinouAI Dialogue on Klarna`s GenAI journeyAn AI-hosted commentary on Efi Pylarinou`s contrarian article `Klarna’s GenAI Journey: A Case Study Using the ‘AI Native’ Framework`. The author argues that Klarna's AI implementation is not revolutionary but rather focuses on low-level automation for basic queries. While the article acknowledges that Klarna's use of AI has helped them save costs, it questions the true impact of this deployment and emphasizes the potential for using GenAI to extract intelligence from customer inquiries and apply it across various business areas, including marketing, sales, and supply chain management. The author ultimately suggests that Klarna...2024-09-2007 min
VK科技閱讀時間EP070. 先買後付巨頭 Klarna 的 AI 計畫能為公司賺多少錢？ AI 時代我的小小生存法則｜VK 科技閱讀時間【本集節目由 澳佳寶 贊助播出】 澳佳寶「四倍金粹濃縮深海魚油」及「金盞花葉黃素+蝦紅素+B5」，給你由內而外的健康守護！ 9/18 限時一天，優惠折扣下殺再送好禮！ 歡迎了解更多產品資訊及優惠活動：https://reurl.cc/pvm6M8 -- 這集我們來聊聊 Klarna 這家來自瑞典的 BNPL （先買後付）巨頭，他們如何應對 AI 浪潮，並在近兩年透過 AI 計劃在兩年內從虧損轉虧為盈。 節目會分成三個部分： 第一部分： 介紹 Klarna 這家公司， Klarna 的成立故事，他們如何從漢堡王打工時期的啟發，到成為一家 BNPL 巨頭 。 第二部分： 來聊聊近兩年的 Klarna 有哪些 AI 計劃，如何幫助 Klarna 節省營運成本、提升顧客服務。 第三部分：前面都在討論一家企業如何運用 AI 降本增效，最後我們把範圍縮小一點到個人上。不講 AI 取代說的話，我們可以如何思考個人在 AI 時代下的生存法則，這裡會分享我的思考與想法。 (00:00) 節目開場 (00:26) 業配：澳佳寶 (03:05) 節目主題介紹：Klarna 如何應對 AI 浪潮？ (08:31) Klarna 的成立故事：從漢堡王到 BNPL 巨頭 (17:53) BNPL 的概念及與信用卡的差異 (20:58) Klarna 的 AI 計劃 (33:06) AI 時代下的個人生存法則（一些小小想法）：善用豐盛、掌握稀缺 想了解更多關於 Klarna 究竟是一家如何賺錢的公司？AI 計畫為他們帶來了哪些效益與風險？ 歡迎閱讀最新一期電子報：《瑞典先買後付巨頭 Klarna 的 AI 計畫，真的能為企業降本增效？》 從方格子訂閱電子報 從 Firstory 訂閱免費／付費電子報 歡迎商業合作，邀約請洽： vktechread@gmail.com 這是 VK 還會出沒的社群 Powered by Firstory Hosting2024-09-1854 min
Fintech TakesS8 E9: Fintech Recap: Klarna’s “Balance” vs. Banking, Affirm's Resilience, and Niche Neobanks Refuse to DieIn this week’s episode of Fintech Recap, Alex is joined by Jason Mikula to dive into the latest on fintech.With BaaS Island quiet, the guys head over to BNPL for some fresh juice.First up, Klarna’s U.S. launch and its new “Balance” feature — despite the hype, it’s not quite banking. In the U.S., “Balance” is more of a wallet within Klarna's app, far from their European banking model. Klarna’s shooting for global banking glory, but the fine print reveals a different tale — more shopping convenience than banking breakthrough.Next, they brea...2024-09-0457 min
Wirtschaftsversprechen Deutschland #WVD#24 Nicole Defren, Head of Germany @Klarna _ Innovation und Entwicklung bei Klarna#WVD - Wirtschaftsversprechen Deutschland
Was prägt die Wirtschaft von morgen? In der neuesten Ausgabe „Wirtschaftsversprechen Deutschland“ spreche ich mit Nicole Defren, Head of Germany bei Klarna. Erfahrt, wie sie ihren beeindruckenden Karriereweg bei Klarna beschritten hat, welche Vision das Unternehmen verfolgt und welche Herausforderungen es zu meistern gilt. Besonders spannend ist unser Einblick in den Einsatz von Künstlicher Intelligenz (KI) bei Klarna: Wo wird KI eingesetzt und wie werden die Mitarbeiter in diesem Bereich mitgenommen? Zum Abschluss werfen wir einen Blick auf den Standort Deutschland aus der Perspektive eines Startups, das bereits groß geworden ist. Ein faszinierendes Gespräc...2024-09-0352 min
Handelsblatt Disrupt - Der Podcast über die Zukunft der WirtschaftKlarna-CEO Sebastian Siemiatkowski: „Mit KI können wir die Zahl der Mitarbeiter von 3400 auf 2000 reduzieren“
Im Frühjahr machte das schwedische Fintech Klarna Schlagzeilen, als es ankündigte, seine Mitarbeiterzahl drastisch zu reduzieren. Nicht aufgrund von sinkenden Umsätzen, sondern weil Künstliche Intelligenz zunehmend menschliche Arbeitskräfte ersetzt.
Sebastian Siemiatkowski, CEO und Mitgründer von Klarna, erläutert im Gespräch mit Handelsblatt-Chefredakteur Sebastian Matthes, wie das bei den Mitarbeitern ankam und welche Strategien er verfolgt, um die besten Talente zu halten und gleichzeitig das Unternehmen zukunftsfähig zu machen. Er spricht über die Vision, Klarna zu einem digitalen Finanzassistenten zu machen und den Einstieg in den Banking-Sektor weiter voranzutreiben. „Meine Vermutung is...2024-08-1655 min
Training DataKlarna CEO Sebastian Siemiatkowski on Getting AI to Do the Work of 700 Customer Service RepsIn February, Sebastian Siemiatkowski boldly announced that Klarna’s new OpenAI-powered assistant handled two thirds of the Swedish fintech’s customer service chats in its first month. Not only were customer satisfaction metrics better, but by replacing 700 full-time contractors the bottom line impact is projected to be $40M. Since then, every company we talk to wants to know, “How do we get the Klarna customer support thing?”Co-founder and CEO Sebastian Siemiatkowski tells us how the Klarna team shipped this new product in record time—and how embracing AI internally with an experimental mindset is transfo...2024-07-2351 min
The Logan Bartlett ShowEP 109: Sebastian Siemiatkowski (CEO, Klarna) on the Future of Klarna, Valuation Changes and AI in FinanceKlarna CEO Sebastian Siemiatkowski led the rise from a profitable business to their peak $50 billion valuation, in which they were burning $150 million a month. In my latest episode, Sebastian shares how he turned Klarna back to profitability and discusses Klarna’s ongoing pursuit of creating a digital financial assistant. He also reflects on their recent boardroom drama with Sequoia and outlines the operating principles and the repaired mistakes that have made Klarna the company it is today.(00:00) Intro(01:45) Personal Reflections on Alcohol and Family(03:03) The Journey to Sobriety(05:57) Milestones and Achievements...2024-06-282h 05
Human AI ExperienceKlarna Case • Future of WorkIn this episode, we dive into how Klarna, the "buy now pay later" fintech giant, is revolutionising its marketing strategy using AI in their creative process. We'll explore how they did it and what this means for the future of marketing.Highlights:1. Klarna’s Marketing Transformation:Faced with budget constraints and high creative demands, Klarna turned to AI tools to cut costs while maintaining creativity and effectiveness.Achieved 37% cost savings in marketing, equating to $10 million annually.2. AI in the Creative Process:David Sandstrom, Klarna’s CMO, expl...2024-06-2621 minThis Week in Pre-IPO StocksE100: Stripe’s $65b valuation, Klarna’s $20b IPO?!, Klarna replaces 700 humans w/ OpenAI, Figure(robots) raise $675m from Bezos/others, Deel acquires Zavvy | Pre-IPO Stock Market Update – Mar 1, 2024Send us a text00:11 | Stripe’s $65b valuation- Online payment infrastructure company- $1b buyback/tender at a $65b valuation; Sequoia and Goldman participated alongside Stripe itself- Stripe has $59.8b implied secondary market valuation prior to this announcement; $65b valuation is +8.7% increase- Second private company buyback in last few months; ByteDance $5b buyback from employees in Dec 2023 at $268b valuation02:00 | Klarna’s $20b IPO?!- IPO rumored for 2025 at $20b- Klarna has $8.3b implied secondary market valuation; $20b is a +141%- 2023: $2.2b revenue (+22% vs ’22), $1.1b gros...2024-03-0110 min
Retail Daily MinuteNike Layoffs, Starbucks Rewards, Klarna, Apple Vision Pro Returns, & Possible Collusion Between Kroger And AlbertsonsWelcome to Omni Talk's Retail Daily Minute. Here are today's top stories in retail to start your week off right:Nike's Workforce Reduction: Nike announces plans to cut its workforce by about 2%, impacting over 1,600 employees, as part of a cost-cutting strategy amidst a lowered revenue outlook, with a focus on investing in key categories like running, women’s apparel, and the Jordan brand.Starbucks-Bank of America Partnership: Starbucks partners with Bank of America to enhance its loyalty program, Starbucks Rewards, offering additional benefits for members who link their accounts, including 2% cash back on qualifying purchases and one Starbucks Re...2024-02-1904 minThis Week in Pre-IPO StocksE90: xAI $6b raise at $20b valuation!, Kaspi.kz IPO at $17b, Klarna eyeing IPO at “triple digit” growth or valuation?, Figma down 50% after Adobe deals crumbles, ElevenLabs AI $1b valuation, Brex fires 282, Chipmaker Cerebras considering IPO | Pre-IPO StoSend us a text00:09 | ElevenLabs AI $1b valuation- AI-powered browser-based app for generating lifelike voices; applications for audiobooks, film dubbing, game character voices, marketing- $80m Series B at $1.0b+ valuation; co-led by Andreessen Horowitz, former GitHub CEO Nat Friedman- 10x increase vs last round in Jun 2023- co-founded in 2022 by ex-Google and ex Palantir employee02:00 | Kazakhstan fintech Kaspi.kz IPO at $17b- Kazakhstan fintech offering payments, e-commerce, buy now pay later, and e-grocery products- $17.5b IPO last week on the London Stock Exchange...2024-01-2609 minThis Week in Pre-IPO StocksE87: Circle (USDC) to IPO, Klarna replaces jobs with AI, Rabbit large action model hits, Discord lays off 17%, OpenAI GPT Store launches, Anthropic raises capital with VCs/SPVs vs investment bankers | Pre-IPO Stock Market Update – Jan 12, 2024Send us a text00:09 | Circle (USDC) to IPO- Circle offers the USDC stablecoin with a $25b market cap- company was to go public via SPAC in 2021 but deal fell apart- last round was $9.0b in Feb 2022- good timing for IPO with bitcoin ETFs launching this week01:13 | Rabbit large action model hits- Rabbit R1 is an AI first personal device that could replace your iPhone- Rabbit sold out of R1’s on first day of offering; 10,000 units (goal was 500)- the Rabbit OS le...2024-01-1210 min
React Universe On AirReact Native at Scale With Mike Duminy (Klarna) | React Universe On Air #30✨ In September 2024, The React Native Show has become React Universe On Air ✨
In the next episode of the “React Native at Scale” series, we lean a bit more towards the technology side to show you the impact that React Native and Re.Pack can have on a large fintech organization. To demonstrate that, we’ve invited two very special guests: Mike Duminy, a Principal Engineer and Domain Architect who works on scaling frontend technology at Klarna, and Jakub Romańczyk, Software Engineer at Callstack and the maintainer of Re.Pack.
Together, we explore Klarna's business structure, the decision to use React Native...2023-11-301h 16
OHN Podcast#Klarnaschulden, BNPL, Shopping-Plattform – Was Klarna sein willKlarna ist einer der größten Payment-Anbieter der Welt. Das Deutschland-Geschäft des schwedischen Riesen leitet seit dem vergangenen Jahr Nicole Defren und sie verantwortet damit die deutschen Geschicke eines Konzerns, der längst mehr ist als ein reiner Zahlungsdienstleister. Klarna arbeitet seit Jahren daran, seine Finanzangebote um Geschäftsbereiche zu erweitern, die konkret in den E-Commerce gehen. Gerade im Jahr 2023 hat Klarna so viele Shopping-Funktionen gestartet, dass sich eher die Frage stellt, ob es nicht schon eher E-Commerce- als Payment-Unternehmen ist.
Stimmt natürlich nur teilweise, der Kern bleibt nach wie vor das Payment-Geschäft und dabei d...2023-11-0647 min
Shoper TalksShoper Talks #22: Klarna x Shoper. Usługa dla tych, co chcą rozwijać biznesRóżne metody płatności w sklepie internetowym stają się coraz modniejsze i potrzebniejsze. Jednym z rozwiązań, które można znaleźć w świecie e-commerce, jest Klarna. Czym jest to narzędzie?
"Klarna to nie tylko najbardziej smoooth metoda płatności. To również najbezpieczniejszy sposób, aby już dziś otrzymać to, co chcesz kupić, a zapłacić za to nawet 30 dni po dostawie. Proste, prawda? Po prostu Klarna" - to najprostszy opis tego wyjątkowego narzędzia.
Jak skutecznie sprzedawać w sklepie internetowym przy pomocy Klarny? Jakie korzyści niesi...2023-09-2726 min
Trending Topics Tech TalkKlarna und der Überraschungsangriff auf Google Shopping(Repost) Das schwedische Fintech Klarna hat in den letzten Jahren nicht nur für sein Buy Now Pay Later-Feature Berühmtheit erlangt, sondern auch durch eine ziemlich heftige Downround von 45,6 Milliarden Dollar hinunter auf 6,7 Mrd. Dollar. Nun kämpft sich Klarna aber zurück, will bald profitabel sein und das Image wechseln - vom BNPL-Anbieter hin zum Shopping-Portal.
Wie das läuft und gelingen soll, darüber sprechen wir im heutigen Podcast mit Christian Kehr, dem neuen Country Lead für die Schweiz. Die Themen:
- Sofort bezahlen vs. Kreditkarte
- Klarna als Shoppin...2023-09-2729 minTrending Topics Tech TalkKlarna und der Überraschungsangriff auf Google ShoppingDas schwedische Fintech Klarna hat in den letzten Jahren nicht nur für sein Buy Now Pay Later-Feature berühmtheit erlangt, sondern auch durch eine ziemlich heftige Downround von 45,6 Milliarden Dollar hinunter auf 6,7 Mrd. Dollar. Nun kämpft sich Klarna aber zurück, will bald profitabel sein und das Image wechseln - vom BNPL-Anbieter hin zum Shopping-Portal.
Wie das läuft und gelingen soll, darüber sprechen wir im heutigen Podcast mit Christian Kehr, dem neuen Country Lead für die Schweiz. Die Themen:
- Sofort bezahlen vs. Kreditkarte
- Klarna als Shopping-Portal
...2023-09-2029 min
mffm - エムエフエフエム#50 インドが新たな融資向けUPIのパイロット版開始, Klarna、ついに単月黒字化, 米国のクレジットカード負債が$1Tを突破, 番組1周年への感想 - WorldFintechNews 9月# タイムスタンプ
(0:00) インドが新たな融資向けUPIのパイロット版開始
(17:50) Klarna、ついに単月黒字化
(26:30) 米国のクレジットカード負債が$1Tを突破
(39:12) 番組1周年への感想
# 今回取り上げたトピックと参考資料
・インドが新たな融資向けUPIのパイロット版開始
アドハーやUPIなどから成るインドの公共API群「インディア・スタック」に新たにクレジットのレイヤーが追加される模様です。
「Public Tech Platform for Frictionless Credit（PTPFC）」と呼ばれるオープンAPIは、アドハーでの本人確認、衛星データ、UPIの取引履歴、果ては酪農業者の生産高までが分かる画期的なものになるとのこと。
先月からパイロット版が始まり、一部の金融機関がPTPFCを使った融資ができるようです。
UPIで決済の世界を変えたインドが、新たに融資にも革命を起こすのでしょうか。
Reserve Bank of India launches innovative public tech platform for effortless credit - BusinessToday
・Klarna、ついに単月黒字化
大手BNPLのKlarnaが2023年第一半期の決算を発表しました。去年の大幅なダウンラウンドから営業費用とCredit lossを減らしてきたKlarnaでしたが、ついに単月黒字を達成した模様です。
一時はFintechのValuationカットの代表例として扱われたKlarnaですが、地力を見せています。
Klarna; Interim Report January - June 2023
・米国のクレジットカード負債が$1Tを突破
米国消費者のクレジットカード負債が、過去最高の1兆ドルを突破し、話題となりました。
消費が堅調である証左でもある一方、延滞率は上昇基調にあり、以前から消費者債務が爆弾だと言われていたことから、不安の声も上がっています。
家計に占める債務の割合や家計の貯蓄には異変がなく、むしろ改善していることから、状況の読めなさも話題となっています。
Credit Card Debt At $1 Trillion Is a Sign of Consumer Strength - Bloomberg
Is It Time to Worry About Consumer Debt? What Is Going On in Seven Charts - WSJ
・番組1周年への感想
WorldFintechNewsが1周年を迎えました！回数も50を迎え、ほとんど休まずに更新することができました。
これはいくらニッチな話題でも聴いてくださっているリスナーの皆さんのおかげです。これからもぜひよろしくお願いします。
リクエストや、ゲスト出演（自薦・他薦）もお待ちしています。
# 話し手
瀧 俊雄
執行役員 CoPA(Chief of Public Affairs) 兼 Fintech研究所長
https://twitter.com/sutebuu
小林 豪
Public Affairs室
https://twitter.com/GOU_00132023-09-0647 min
Achtung Achterbahn - Business & Freunde Talk#170 Der dicke Dachdecker - Hätte ein Frau gehupt? | Schiedsrichter, Oktoberfest, Toniebox, Waterdrop, Klarna, Google AIVon Bodo Wartkes Dachdecker, über Schiedsrichter-Dokus, zu LKW-Fahrten durch München, über Tonieboxen zu Waterdrop, über ethische Fragen zu KI zu Klarna, dem Oktoberfest in München und TikTok Shopping. Bunt gemischt - viel Spaß!
Von Bodo Wartkes Dachdecker, über Schiedsrichter-Dokus, zu LKW-Fahrten durch München, über Tonieboxen zu Waterdrop, über ethische Fragen zu KI zu Klarna, dem Oktoberfest in München und TikTok Shopping. Bunt gemischt - viel Spaß! -- Wieso sollte man mit dem LKW nicht durch München fahren? Welche Schiedsrichter-Doku sollte man sich ansehen? Sollte eine KI Lebensberatungen durchführen dürfen? Wieso wächst Klarna? Was ist...2023-08-3136 min
Fintech Business PodcastInterview: Klarna's Chief Commercial Officer David SykesI know it’s hard to remember now, but there was a time when BNPL — buy now, pay later — felt like the bleeding edge of consumer fintech (even if point-of-sale financing has been around for literally generations!)It has been a wild ride for market leader Klarna, which is rather unique in the space: it was founded in 2005, it is a bank in Europe, and it has historically been profitable.Klarna’s Chief Commercial Officer and former head of the US business David Sykes joined to discuss all that and more, including:* If Klarna t...2023-06-0740 minThis Week in Pre-IPO StocksEPISODE #12 - Neuralink’s FDA approval for chips in brains, Klarna posts strong Q1 financials, Instacart’s new ad business is big, AI: data ownership, every company needs to be an AI company | Pre-IPO Stock Podcast – Jun 5, 2023 | Clint Sorenson CFA, CMT,Send us a textNeuralink’s FDA approval for chips in brains, Klarna posts strong Q1 financials, Instacart’s new ad business is big, AI: data ownership, every company needs to be an AI company | Pre-IPO Stock Podcast – Jun 5, 2023 | Clint Sorenson CFA, CMT, Nick Fusco, Jud Mackrill, Aaron DillonNeuralink’s FDA approval for chips in brains- Neuralink could revolutionize healthcare and other industries by providing solutions for conditions like Parkinson's, Alzheimer's, and paralysis- Neuralink has long-term applications in the military and technological sectors- Neuralink's FDA approval marks a major mi...2023-06-0632 min
Marketing Today with Alan Hart360: Getting People to Try Your Product with Klarna CMO David SandströmDavid Sandström is the Chief Marketing Officer at Klarna and a member of its executive management team. Since joining Klarna in 2017, he has overseen the transformation of the brand from a traditional financial institution to a vibrant retail media network with a hot pink edge. As CMO, David is responsible for driving consumer growth as well as leading design, marketing, branding, communications, and sustainability efforts. David's diverse background includes experience in agency and client roles and working in various industries around the world, which has shaped him into the marketer he is today. David warns against full outsourcing a...2023-04-1946 min
Heads Talk144 - Alex Marsh Head UK: Fintech Series - Klarna, More Than BNPLLet us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title:-🇬🇧More Than BNPL🇸🇪In this Heads Talk episode as part of the series of conversations with CSuite Financial and Fintech Leaders, I had a conversation with Alex Marsh, Country Lead and Head of Klarna UK. Alex and I spoke in the first HTFintechSeries and this conversation was equally fascinating, especially to be introduced to some of the products and services of Klarna away fr...2023-04-1651 min
Le Podcast Du Retail#74 Eric Petit-fils | Klarna, plus qu'une solution de paiementDans ce nouvel épisode du Podcast du Retail, nous recevons Eric PETITFILS, directeur de Klarna France.Klarna est une solution de paiement, mais une ambition de solution globale shopping.Avec Éric, vous découvrirez que Klarna c'est un écosystème assez fascinant pour sa complétude :Une solution de paiement, comptant, 3X sans frais et BNPL 30jours qui arrive gentiment en France.Des solutions pour fidéliser les clients aux marchands via un wallet ou un personal shopper.Klarna propose à ses marchands de génerer...2023-03-091h 06Achtung Achterbahn - Business & Freunde Talk#148 Innovation mit Ei & Mohnflesserl | Klarna, Müllroboter Scarab, Mohnflesserl, Kochen,Wie essen wir weich gekochtes Ei und mit welchem Löffel? Isst man Kuchen und Pizza von innen nach außen oder anders? Was macht ein Müllroboter? Wie viel Verlust macht Klarna? Sollte Green Innovation ohne Wettbewerbsgedanken entwickelt werden? Reinhören!
Wie essen wir weich gekochtes Ei und mit welchem Löffel? Isst man Kuchen und Pizza von innen nach außen oder anders? Was macht ein Müllroboter? Wie viel Verlust macht Klarna? Sollte Green Innovation ohne Wettbewerbsgedanken entwickelt werden? Reinhören! -- Sind 4 1/2 oder 7 Minuten besser? Wie isst Hannes einen Big Mac? Wieso mag Martin Kunststofflöffel? Was...2023-03-0239 min
Kasyno Gracz: Najlepsze Polskie Kasyna Online na Prawdziwe Pieniądze 2025Historia Klarna w kasynieMarka Klarna https://www.onlinecasino-pl24.com/metody-platnosci/klarna została założona w 2005 roku w Sztokholmie, w Szwecji, głównie z myślą o zakupach online. W ciągu 15 lat od tego czasu technologia rozwinęła się i przekształciła świat bankowości, chociaż misja Klarna pozostaje taka sama - uczynić płatności tak łatwymi, jak to tylko możliwe.Klarna stała się obecnie jednym z największych banków internetowych w Europie i zapewnia szybkie rozwiązania płatnicze 85 milionom konsumentów w 17 krajach. Klarna przejęła markę Sofort w 2014 roku, wtedy też powstała Grupa Klarna....2023-02-0501 min
Apptivate: App Marketing ExplainedThe 3 Markers of Good Marketing Automation - Joel Debus (Klarna)Joel Debus is the Marketing Automation Manager at Klarna, a “buy now, pay later” shopping app. In this episode, Joel breaks down what good marketing automation looks like and how to implement the best approach. Joel discusses identifying trigger points in the customer journey, scaling automation, personalization based on user behavior, and using a “working backward” methodology.Questions Joel Answered in this Episode:What got you into CRM? And what brought you to Klarna?What does Klarna focus on?What does marketing automation mean to you? And what does good marketing automation look like?How do you iden...2023-01-1728 min
Inspired with Alexa von TobelWhy Friction is Underestimated with Sebastian Siemiatkowski of KlarnaIt has been nearly two decades since Sebastian Siemiatkowski started Klarna, based on the simple idea of enabling customers to pay how they'd like. Today, Klarna is a fintech giant on a mission to revolutionize the retail banking industry. Headquartered in Sweden, Klarna is now a fully licensed bank operating across 45 markets. The company has scaled to over 150 million active consumers and over 450,000 merchant partners. Sebastian shares why he thinks of Klarna as a digital assistant that saves people time and money, why he thinks the banking industry will shrink (making Klarna a larger player in a smaller industry...2022-10-1933 min
Polskie Kasyno Online na TopKasynoOnline - Legalne Casino Na Prawdziwe Pieniądze w Polsce od Milana RabszskiegoKtóre kasyno online akceptuje Klarna?Kasyna online, które akceptują Klarna http://topkasynoonline.com/klarna/ jako metodę płatności to wszystkie inne kasyna z listy powyżej. To, że tak wiele kasyn akceptuje Klarnę jest zrozumiałe. Klarna ma ponad 80 milionów użytkowników na całym świecie i jest używana przez ludzi w wielu różnych, głównie zachodnich krajach. Jest to zgodne z rynkiem hazardu online, gdzie większość stanowią użytkownicy sieci. Klarna oznacza po szwedzku "czysty", co w pełni odpowiada Klarnie. Jest bardzo przyjazny dla użytkownika i łatwy do zrozumienia bez żadnych dzwonków i gwizdków.2022-09-0500 min
DescenderHow do you design for sustainability?In our final episode of the season we talk to twin brothers Jack Trew (Klarna) and Louis Trew (Enviral) who have both found themselves working within sustainability in their design practice. We discuss what drew them into the field and how they are able to keep motivated and feel an impact with their design. From the dual perspectives of in-house and agency, we get into when is the best moment in a user journey to affect behaviour and ponder whether guilt is an effective/ethical motivator in changing user habits.
Descender is hosted by...2022-08-0333 min
DescenderHow do you optimize for IRL?Klarna may be known for speedy online shopping but sometimes we also have to push pixels into the real world. This week Oscar Linger and Jo Chevry chat about how they managed to prototype in-store experiences while in lockdown, trying to identify the solutions to spotty WiFi and faulty check-out terminals. Of course we also get into our newly found appreciation for well-designed QR codes and how the slow-down of the pandemic actually offered new opportunities for the in-store team to build better.
Descender is hosted by Melanie Löff-Bird, and produced by Francesco Cutolo, Minna Engelmark, A...2022-07-2028 min
Finscale#108 - Eric Petitfils (Klarna) - Du BNPL à la “Shopping Company” Voilà longtemps que nous n’étions pas allés du côté des paiements. Cette semaine, c’est un "Deep Dive" sur Klarna que nous offre Eric. Vous allez comprendre comment le business model, et la proposition de valeur de Klarna ont évolué cette dernière décennie. Nous avons droit à une belle rétrospective de l’évolution du BNPL dans un marché de l’e-commerce en pleine expansion et notamment avec l’arrivée de gros acteurs comme Paypal et Apple avec Appel Pay Later.
Nous regardons de plus près les risques de fraude auxquels Klarna fait face, la maniè...2022-07-1739 min
DescenderCan we really get users to build better financial habits?Improving financial literacy is a lofty goal that is not always easy to achieve. We can’t pretend that we know it all but we want to help the best way that we can and get users to make the most informed decisions possible. Ola Trytek (UX Researcher) and Felipe Sbravate (Product Design Manager, formerly at Dreams) both offer their insight into how we can provide the right guidance in a responsible way as well as how to navigate the many hurdles users face in attempting to improve their financial literacy. Questions we uncover in this episode include:
Ho...2022-07-0637 min
DescenderHow does app design change overseas?There seems to be a lot of buzz around super apps such as WeChat and the influence of Asian UI design across the world but what does it even mean we say east vs. west? Do the considerations and dynamics of designing for an Asian audience really differ? This week we talk with two Berlin-based designers Helen Chang (Taiwan) and Cupi Wong (Hong Kong) to get their thoughts on the challenges and benefits of working abroad in a new cultural context. Tune in to hear Helen’s reflection on the pressures of designing for an app with over 1 billion us...2022-06-2232 min
Payment & Banking Fintech PodcastNews-Rückblick Mai 2022: mit Nuri, Klarna, Ingenico & vielen mehrFinTech Podcast #381: News-Rückblick Mai 2022: mit Nuri, Klarna, Ingenico & vielen mehr
In unserem monatlichen Überblick kommt hier unsere News-Rückschau für den Mai 2022. Wie immer kommentiert und eingeordnet von den Payment & Banking Experten André Bajorat und Jochen Siegert. Viel Spaß mit dem FinTech News-Rückblick Mai 2022!
Entlassungen bei Klarna, Kontist, Nuri
Klarna wird 700 Beschäftige entlassen, also rund 10 Prozent seiner Belegschaft. Als Grund werden die unsicheren wirtschaftlichen Aussichten genannt. So stünden Aktienmärkte aktuell stark unter Druck und die Inflation steigt ebenfalls signifikant an. Ähnlich schlechte Nachrichten kommen auch von hiesigen Fintechs. So soll Kontist 50 Personen kü...2022-06-091h 08
DescenderIs just translation enough?As we saw in our mini-series on UX writing, words matter but success doesn’t translate in all languages. The Klarna app supports 17 languages which means a lot of opportunity & risk when it comes to communicating with users . In this first episode of our new season we talk with product designer, Justyna Piwowarska and UX researcher, Selina Burzler about how they have tackled localization and getting research done in a way that allows people to express themselves most honestly despite language barriers.
Mentioned in this episode:
Nimdzi
Descender is hos...2022-06-0838 min
Growth: el podcast de Product Hackers 🚀De ingeniero a producto y de ahí a negocio con Daniel Espejo de KlarnaHablamos con Daniel Espejo, Country Manager Spain de Klarna, sobre su trayectoria, cambios profesionales y esta solución más allá del BNPL.• Las notas del episodio con enlaces e información adicional en: https://producthackers.com/es/podcast/ingeniero-producto-negocio👉 Prueba nuestra formación gratuita en https://p-h.es/fundamentos-free-trial👉 Únete a nuestra comunidad de Growth gratuita en https://p-h.es/unete👉 Descarga el primer Estudio sobre la Cultura de la Experimentación en empresas y startups de España y LATAM en https://p-h.es/estudio-cultura-experimentacionUn Product Manager es alguien que te ayuda a ahorr...2022-06-011h 05
Midsommar IslatteKlarna layoffs, tech jobb & lågkonjunkturSo, Klarna lays off 700 people... Meta och Twitter också har en hiring freeze. Ni kanske känner någon som berörs av Klarnas layoffs den här veckan. På måndagen meddelade Klarna en minskning av sin personalstyrka med 10%. Mest på HR-avdelningen men även ingenjörer. Klarna är inte det enda företaget, Netflix hade även layoffs... 🖥
📱 The list down here was also reposted by Sebastian Semiatkowski on LinkedIn. He praised his employees and stated they won't be on the market for long. Despite this support of his laid-off ex-employees, many criticize the 5-min video that was used to break t...2022-05-2908 min
Doppelgänger Tech Talk#147 Gorillas & Klarna Layoffs | Snap | Earnings: About You Veganz Zoom Agora Home2Go Monday & Acast
Gorillas und Klarna entlassen Leute. Snap warnt und zieht alle runter. Dazu wieder eine Menge Earnings: About You, Veganz, Zoom, Agora, Home2Go, Monday und Cast.
Philipp Glöckler (https://twitter.com/gloeckler) und Philipp Klöckner (https://twitter.com/pip_net) sprechen heute über:
(00:06:25) Growth Fonds, Bewertungen und der Markt
(00:26:55) Klarna
(00:46:45) Gorillas
(00:50:00) veganz
(00:55:33) AboutYou
(01:04:44) zoom
(01:19:00) Agora
(01:24:45) Snap Gewinnwarung, insider verkaufen
(01:39:19) Adam Newman
(01:42:48) Monday, Asana
(01:50:00) Acast
Shownotes:
N.E.R.D. - S...2022-05-251h 52
企业故事汇｜战略、组织与领导力Klarna：从分期付款到购买旅程（四）音频文字发布在公众号“北京读天下”，《价值创造与商业模式》在公众号微店有优惠。反馈与服务微信号：yinmingshu002。Klarna从支付应用发展到超级App，为它带来了超出支付市场的增长潜力，市值从2017年的25亿美元增长到2021年的460亿美元。在Klarna的历史上，2017年是一个关键的年份。这一年，Klarna获得了银行执照，可以吸收公众存款，获得低成本的资金。可是，接下来的变化却表明，它已经越来越不像是一家金融机构了。在这之前，Klarna的主要精力用于说服商户加入BNPL计划。现在，它将更多的精力用来向消费者进行沟通。Klarna发布了一款App，既可以用来支付，也可以用来购物。它还将公司LOGO从之前代表金融行业的蓝色改为鼓励情感消费的粉色。App上线标志着Klarna从支付业务转向超级App模式。2019年，Klarna App在美国上线。人们吃惊地发现，Klarna App已经变成了一家电商平台，为电商商户提供营销服务。2021年，Klarna宣布将App正式升级为大卖场。现在，App上面已经拥有25万家商户。2022-05-1924 min
DescenderIntroducing Season 3: Global issues, local solutionsWelcome to Descender Season 3: Global issues, local solutions!
In this season’s episodes, we reflect on the big challenges facing the world today and dive into how we designers tackle those issues in our day-to-day work. Whether it be the question of inclusivity with language localization, how to responsibly pull in influence from different cultural design trends or how to build financial products that take into consideration users' varying sensitivity with saving money.
We don’t have all the answers yet but talking with Klarna’s diverse team of product designers, researchers and writers we have u...2022-05-1800 min
企业故事汇｜战略、组织与领导力Klarna：从分期付款到购买旅程（三）音频文字发布在公众号“北京读天下”，《价值创造与商业模式》在公众号微店有优惠。反馈与服务微信号：yinmingshu002。在Klarna早期，人们主要将它看作一种第三方支付工具，类似于Paypal，没有人想到它会与信用卡竞争。这主要是因为分期付款和延迟付款都不是新的业务形式，不可能与高度成熟的信用卡业务相抗衡。但许多行业专家没有注意到，Klarna从一开始就选择了传统分期付款不同的业务设计。传统分期付款属于小额贷款，发放前需要经过信用审核。和信用卡一样，分期付款业务依赖金融系统信用审核基础设施，其代表性工具是信用报告和信用分数。信用分数越高，审批越容易，利息越低。Klarna不收取利息，信用分数相对不重要。2015年，Klarna进入美国市场时曾经遇到很大的困难，因为光是分期付款并不足以吸引顾客。用CMO David Sandstrom的话来说，我们是市场上第58家提供这项服务的企业。他们发现，美国消费者对信用卡非常不满意，但没有信用卡又无法获得消费贷款。因此，Klarna将营销重点转向将BNPL与信用卡服务进行对比。延迟支付和四期支付法让这样的顾客可以像信用卡用户一样获得消费贷款，而又不需要承担消费贷款的成本。Klarna不向顾客收取利息，消费贷款的成本完全由商户承担，减轻了顾客对未来债务积累的担心。2022-05-1220 min
DescenderEstablishing the process between Design and UX WritingIn our final episode of Season 2, we get into the nitty gritty details of what makes a successful UX Writing & Product Design collab. From Klarna Berlin, Alfonso Maestro and Haerin Song peel back the curtain on how they’ve built a strong foundation for the Klarna Bank product. These two will share with us practical examples of how to create foundational alignments on ways of working, setting up Figma to work best for UX writers and engineers, and understanding how and when to involve legal and marketing in the work. Their insights span newmarket launches, localisation, and good old er...2022-05-1136 min
DescenderBonfire connections of a UX Designer & WriterFrom a chance bonfire meeting in South Africa to becoming a Gemini design duo for the ages, Luci Badenhorst (Praekelt.com, South Africa) and Lee Mavuso (Klarna, Sweden) share with use there working journey. As a designer, Luci shares why working with UX writing and story is essential to the work, and how to bring writers into the team and client projects. As a writer, Lee gives a peak into her shift from copy to UX and how she pivoted her love of words into the agency world. But their advice above any process is how to form connection...2022-04-2731 min
The Space Bar: Ecommerce Podcast by Space 48#29: What are you doing if you're a merchant and don't have Klarna?What are you doing if you're a merchant and don't have Klarna? With the Klarna app having over 40 million downloads, what it can offer for brands and consumers is game-changing.
Beginning as a payments provider that has disrupted the retail banking industry, today, Klarna is a very diverse business in terms of its products. In this episode, we find out what has made Klarna the renowned brand for frictionless shopping for consumers and retailers. We cover the following topics:
The history of Klarna
The rebrand of Klarna
Innovation, acquisitions and product releases
Tackling financial wellness and...2022-04-0536 min
The CMO PodcastDavid Sandstrom (Klarna) | Create Marketing That's Worth Talking AboutDavid Sandstrom is the CMO of Klarna, the fintech company founded in Sweden in 2005. Klarna offers products and services to consumers and retailers in payments, social shopping, and personal finance. In 17 short years, Klarna has become Europe’s highest valued private fintech company, with an estimated valuation of about $45 billion. Klarna has 100 million active users, 250,000 merchants on its platform, and processes about 2 million transactions a day. David has been CMO since 2017, where he led the company through an extensive brand transformation. He took it from one of many financial institutions that held a “trustworthy blue” look and feel to...2022-03-2348 min
Campaign ChemistryCampaign Chemistry: Klarna CMO David SandstromLast year, Klarna made its big debut in the U.S. market in the most American way possible: during the Super Bowl. Since then, it’s been steadily growing its presence here, most recently rolling out a physical card and inking a partnership with the Chicago Bulls.For chief marketing officer David Sandstrom, Klarna has an opportunity to become a super shopping app, where content, commerce and influencer marketing coalesce. But there’s heady competition to become a “super app,” not the least of which is from major social media platforms like TikTok and Instagram with massive user vas...2022-02-2439 min
Shopify with Milk Bottle ShowEpisode #60: All about Klarna 'buy now pay later' for your Shopify storeIntroductonColin's experience with Ebay and CornmarketHow Ebay contributed to the whole principal of customer reviews and starsLecturing about fashion retail and ecommerce in 3rd level educationWho are Klarna?Global payments and shopping service with 90m plus usersHow Klarna is the alternative way to make payments online in a fun, transparent and engaging waySnoop Dogg as a brand ambassador with a quirky, fun PR campaignImportant factors are security, trust and funWhy Klarna is easy to use, and customer friendlyPeople want something different to the credit card experience which is now jadedPay in 3 explainedAll about who pays the feesPayment optionsResponsible leading and s...2022-01-2738 min
Online Casino Österreich Legal Echtgeld von OesterreichOnlineCasino.at - Das beste Österreichische Glücksspiel von Philipp GansterKlarna CasinoZahlungsmethode in Österreich Online CasinosDie Klarna Casino http://oesterreichonlinecasino.at/payment-methods/klarna/ Zahlungsmethode in Österreich wird bei Online Casinos immer beliebter. Und das ist keine Überraschung, denn die Zahlungen von Klarna sind sehr innovativ. Lesen Sie hier alles über die beste Alternative zu iDEAL / Trustly und wie die Einzahlung mit Klarna online Casino funktioniert.Klarna Casino | Wie funktioniert es?Wie bereits erwähnt, können Sie später bezahlen. Dies ist jedoch nicht erforderlich. Sie können auch direkt bezahlen. Wenn Sie diese Option wählen, werden Sie zu iDEAL weitergeleitet. Wenn Sie sich für eine spätere Z...2022-01-1002 min
DescenderHow much attention should I pay to design trends?QR codes. 90’s eyebrows. Dancing Queen played with a hand flute. Airport food court menus. All of these topics will (somehow?) be discussed on this week's episode. We’ll dive into the when, how and why to keep up with design trends. Jonatan Andersson ( Scania, Sectra, Swedish Migration Agency, Klarna) and Elizaveta Potapkina (Mobile World Congress, Visa, currently at Klarna) will take us into their world of when they do -- or intentionally don’t-- bring design trends into their daily work and inspiration.2021-10-2740 min
Roasting MarshmallowsKlarna organizational model with Mite Mitreski Are all your teams dependent on a few key persons calling the shots? Is your organization as transparent as it can be to both employees and customers?When serving millions of customers all over the world, a classic, top-down approach to decision making is not very scalable. This was the realization that the company our guest today works at made, and has since then reversed the chain of decision making to enable the teams to make the day to day decisions by themselves.For the last few years he has been working as Engineering Director at Klarna...2021-10-1958 min
DescenderFinding where we want to workNo, it’s not another conversation about Corona. But this is a conversation about reflecting on the switch to remote work during this past year. Catch up with Axel Lindmarker (Klarna, Google Creative Lab) and Noukka Signe (Klarna, ING) about what they’ve learned about work-life balance, interdisciplinary collaboration, and the importance of proactive growth.2021-10-1343 min
DescenderGetting unstuck when your growth stallsIn this episode we talk with Tim Plummer ( Klarna, Yelp) and Ricardo Esteves (Facebook, Klarna) about how to get unstuck in design projects, and in your design career. We learn that the good kind of stuck shows you you’re at the heart of a problem, and how to get out of the bad kind of stuck with reflection exercises, refinding inspiration and bringing the problem back to what matters— the users. They’ll also discuss how their design process evolves between B2C and B2B projects, and how game design has broadened their perspective.2021-09-2943 min
Disruption Talks by NetguruEp. 40 How Klarna Designed the World’s Smoothest Shopping Experience - with Ege Altunsu, KlarnaHow does Klarna, the buy now, pay later giant, offer such a smooth shopping experience for customers?Klarna has made it more affordable and easier to checkout on online shopping sites for many, and usage only increased during the pandemic.To talk about the design side of things, Ege Altunsu, Product Design Lead, Design Manager at Klarna, joined this episode of Disruption Talks.Ege explains how Klarna was able to get ahead in the market, scale up quickly, and still maintain a high level of service for customers and merchants. Ege also shares what...2021-09-2156 min
The Diary Of A CEO with Steven BartlettKlarna Founder: From $0 to $46 Billion: Sebastian SiemiatkowskiSebastian Siemiatkowski is one of the most successful businessmen in Europe. He is the founder of Klarna, a company that is now worth an incredible $46 billion. Sebastian himself is now worth over $3.6 billion, and what’s more, he’s only just getting started. Sebastian has been incredibly honest with us on what it takes to succeed and the burdens that come with it.Sebastian started Klarna when he was just 23, he hadn’t finished university and he gave up everything when he promised himself that his business would be the only thing in his life for 6 months. He’s m...2021-09-201h 18
DescenderStartup, agency, product. Where should I work?What does a product designers life look like when they switch between agency, start-ups or a big product team? We catch up with Marcus Johansson (R/GA, Apegroup, Creuna, Klarna), Melanie Löff-Bird (R/GA, Elephant, Klarna) and KJ Vogelius (DDB, Klarna) about their experiences flip-flopping between different types of teams. We dig into how the designer experience might differ depending on a company’s type, structure and size. But also that there are some core elements, like design positive environments and colleagues that you can learn from, are always key to a great gig.2021-09-1541 min
DescenderIntroducing DescenderDescender is a new to dive deep into the design career topics we all think about, but don’t talk enough about.
With a diverse crew of digital product designers, we’ll dive into questions like,
How’s your career growth going?
Are you having writers block?
Is your motivation gone?
Are you not sure of what to look for in your next job, but know that you need a change?
Should you be a specialist or a generalist?
What type of company should you work at?
There’s no right answer, and your perspective will cha...2021-08-2901 min
TheIndustry.fashion & TheIndustry.beauty PodcastIN DETAIL: Sebastian Siemiatkowski, CEO & Founder, KlarnaSebastian Siemiatkowski is the CEO and Founder of disruptive payments provider Klarna. With its buy now, pay later, pay in 3 and other flexible, or as Klarna likes to call it smoooth, payments options, this business has shaken up the way we shop, having been adopted by more than 250,000 retailers worldwide.It’s also fair to say it has ruffled a few feathers among the traditional banking sector with its bright pink, sometimes frankly oddball, advertising and its celebrity backers.But it has found favour among a largely millennial consumer base that is...2021-06-1752 min