Sebastian Siemiatkowski @klarnaseb Twitter profile | Pikagi

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Sebastian Siemiatkowski

@klarnaseb

22,187

Followers

296

Following

154

Media

2,101

Statuses

Co-founder and CEO of @Klarna . Smoooth shopping! Trying my best to be the nightmare of the bank establishment worldwide! Do all I can so customers will love us

https://t.co/IAj1DNngNV

Joined April 2011

Don't wanna be here? Send us removal request.

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@klarnaseb

Sebastian Siemiatkowski

3 years

I am grateful to Sweden for the opportunities and support it gave me; an immigrant kid and us as a company! I believe in particular Göran Persson had the vision and laid the ground for Swedens current prosperity How Sweden became Silicon Valley of Europe

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Focus: How Sweden became the Silicon Valley of Europe

As Klarna's billionaire founder Sebastian Siemiatkowski prepares to stage one of the biggest-ever European fintech company listings, a feast of capitalism, he credits an unlikely backer for his...

www.reuters.com

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@klarnaseb

Sebastian Siemiatkowski

2 months

This is a breakthrough in practical application of AI! Klarnas AI assistant, powered by @OpenAI , has in its first 4 weeks handled 2.3 m customer service chats and the data and insights are staggering: - Handles 2/3 rd of our customer service enquires - On par with humans on…

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@klarnaseb

Sebastian Siemiatkowski

11 months

My schedule can be shuffled for a chat if you want to @John_W_Henry @LFC 😉

@Klarna

Klarna

11 months

@David_Ornstein @TheAthleticFC . @John_W_Henry you know you can just DM us, right?

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@klarnaseb

Sebastian Siemiatkowski

2 years

Today Klarna announces an $800m financing round during the worst stock downturn and challenging macro in decades. We are not immune to public peers being down 75-90% and hence our valuation is down on par. Here are some facts that the media might omit in reporting on this 🧵 👇

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@klarnaseb

Sebastian Siemiatkowski

2 years

Google, Apple and Microsoft can stop the war in Ukraine Shut down iOS, Android and Windows for all Russians, this would put the country to a halt and most importantly its military. All phones and computers in Russia would stop working Retweet if you support! Support 🇺🇦 Ukraine

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@klarnaseb

Sebastian Siemiatkowski

2 years

Now the press is asking me, whats the impact of Ukraine war on Klarna. The answer is simple: We don't care how it impacts Klarna’s business. It's irrelevant! If there are any consequences from the war, on Klarna, we are happy to take them, that is the very very least we can do

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@klarnaseb

Sebastian Siemiatkowski

2 years

Interesting @MartinSLewis ! @Deliveroo should accept credit cards with up to 54% interest… But not Klarna that offers debit and interest free credit? Curious, does your money saving website make affiliate money from selling credit cards?

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Martin Lewis slams Deliveroo for adding Buy Now Pay Later option for deliveries

Martin Lewis said borrowing was not needed for paying for Deliveroo takeaway orders

www.thetelegraphandargus.co.uk

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@klarnaseb

Sebastian Siemiatkowski

3 years

Att vi grundare har allt i Sverige och betalat miljarder i skatt, tillskillnad mot andra. Att Klarna betalat mer skatt i Sverige än största US tech bolagen tillsammans. Att Sequoias investerare är forskning, universitet till över 80% och…

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@klarnaseb

Sebastian Siemiatkowski

1 year

And it is official! US is finally Klarnas largest market by revenue Followed by Germany Tremendous growth despite challenging macro

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@klarnaseb

Sebastian Siemiatkowski

6 months

Kommentar till varslet på Klarna: "Över 1000 anställda på Klarna har skrivit under på denna tweet, inklusive mig och ställer frågan: Ska facken kunna tvinga fram kollektivavtal utan att behöva redovisa att det finns majoritetsstöd bland de anställda? Ska det tillåtas, kanske…

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@klarnaseb

Sebastian Siemiatkowski

7 months

Om det nu finns två bolag i Sverige som - Erbjuder bättre förmåner än kollektivavtalen - Har blivit världsledande inom sina industrier sista årtiondet - Anses vara bland de mest attraktiva arbetsgivarna i Sverige Kan det då inte vara intressant att i alla fall förstå varför?…

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@klarnaseb

Sebastian Siemiatkowski

3 years

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DEBATT: Låt inte svensk fintech bli morgondagens Cementakris

DEBATT: Skuldutvecklingen i Sverige drivs av en dysfunktionell bostadsmarknad.Det är angeläget att förbättra ramverket för konsumtionslånen, skriver Mårten Blix, fil dr i nationalekonom.

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@klarnaseb

Sebastian Siemiatkowski

3 years

Roligt, nervöst och utmanande. Tack för att jag fick vara med @carinabergfeldt !

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@klarnaseb

Sebastian Siemiatkowski

2 years

My best kind of weekend fun while wife away! Sleeper train to Luleå (870 km north of Sthlm) alone with 3 kids and this guy. Slightly nervous taking him for a pee while kids (4, 6, 8 old) sleeping themselves on the train… Hej ⁦ @KodmyranKatrin ⁩! Tomorrow dog sleighing!

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@klarnaseb

Sebastian Siemiatkowski

3 years

We are doing more transactions today, in a single day, than during Klarnas first 4 years combined. Regularly during the day over 100 transactions per second. So humbled over all the amazing people here who have contributed so much!

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@klarnaseb

Sebastian Siemiatkowski

3 years

- We loose 10 sec every day accepting cookies on random websites. - There are 448 m people in EU - We loose 142 years of human lives accepting cookies EVERY DAY. - This increases indifference to privacy not the opposite There are so much better ways to protect privacy online!!!

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@klarnaseb

Sebastian Siemiatkowski

3 years

Really proud about todays announcement about raising 1 bn USD since a big part of it is really the result of quite some astonishing efforts from the teams at Klarna for the last years and months. Also feels super exciting to launch our "give 1 back" pledge of 1% to the planet.

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@klarnaseb

Sebastian Siemiatkowski

2 years

Can Klarna be to Paypal what Tiktok is to Meta? Listening to Dan on Paypal Q4 Earnings Call: slower growth due to inflation? e-commerce slowing? I see none of that in Klarna's numbers! I did notice, however, Klarna US app downloads surpassed Paypal's for the first time...

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@klarnaseb

Sebastian Siemiatkowski

8 months

4000 Klarna people in Stockholm celebrating us being back in black!

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@klarnaseb

Sebastian Siemiatkowski

3 years

I have a new friend

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@klarnaseb

Sebastian Siemiatkowski

5 years

Confirmed 👊

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@klarnaseb

Sebastian Siemiatkowski

2 years

@ZelenskyyUa @POTUS Google, Apple and Microsoft can stop the war in Ukraine Shut down iOS, Android and Windows for all Russians, this would put the country to a halt and most importantly its military. All phones and computers in Russia would stop working Retweet if you support! Support 🇺🇦 Ukraine

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@klarnaseb

Sebastian Siemiatkowski

2 years

Wow! @chicagobulls

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@klarnaseb

Sebastian Siemiatkowski

3 years

PM of Sweden excuses himself shopping in physical store during COVID “I have never shopped online”! But more disturbing, a leader should be curious! Trying things before judging on them is always a good idea, especially as digital is so important for our society. @SvD @SwedishPM

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@klarnaseb

Sebastian Siemiatkowski

1 year

Full year 2022 financials are out and super-exciting results for Klarna! We’re growing way faster than the market in tough times. GMV up 19% in Q4 2022, revenue up 20%

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@klarnaseb

Sebastian Siemiatkowski

3 years

Klarna US is on fire! Before lock down we were just about to move into a new New York office. As we now hope to come back into office, we realise we have outgrown the office we never moved into. Crazy! Thank you to all partners and colleagues for your amazing partnership!

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@klarnaseb

Sebastian Siemiatkowski

7 months

A lot of times, people would tell us in Klarna that as a tech startup we had to move to Silicon Valley. I think that’s poor advice. Europe has proven to be a great place to start a global tech company and we are even showing that we can win in the US from Europe. With that said,…

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@klarnaseb

Sebastian Siemiatkowski

3 years

My first IPO! 😀 Proud that the team is bringing to @Nasdaq First North A humble beginning to something new in venture? Hopefully, give entrepreneurs a true long term, supportive, non-invasive option Access to great companies for everyone, not just the few

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Vi investerar i entreprenörer som har drivet - Flat Capital

Vi investerar i entreprenörer som bryr sig om sina kunder och sina bolag, och som har en framtidsplan som behöver långsiktiga investerare.

www.flatcapital.com

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@klarnaseb

Sebastian Siemiatkowski

2 years

We are after the world's largest profit pool; credit cards & retail banks We will make sure more money stays in consumers' pockets Offer healthier interest-free financial services This 440 b opportunity is as real now,as 6 m ago Only difference; we added 7 m. customers since then

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@klarnaseb

Sebastian Siemiatkowski

2 years

Soon…

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@klarnaseb

Sebastian Siemiatkowski

2 years

We are coming for you... @PayPal 😀 This decade will transform financial services Old ways: pocketing consumers money into your own wallet New winners: return profits to the pockets of consumers Klarna is 100% focused on helping people save time & money & reduce financial worry!

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@klarnaseb

Sebastian Siemiatkowski

8 months

📈 We’ve just published our half-year results and I’m super proud to say that we smashed our own target with a profitable month before summer, while still growing at 14%YoY! It’s hard to do two things at once but the Klarna team did it!! 🇺🇲 🔼 In the US, we have just seen our…

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@klarnaseb

Sebastian Siemiatkowski

2 years

Something exciting is going on...

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@klarnaseb

Sebastian Siemiatkowski

2 years

Doing a job for 18 years really changes one’s perspective Noise is everywhere True long term is absent Persistence=much stronger force than hype and media sentiment I feel so fortunate I began at 23... If I stay healthy, have a few more decades to help challenge this industry

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@klarnaseb

Sebastian Siemiatkowski

2 years

As Klarna grew "senior execs" surrounded me demanding; focus, priority, strategy Never felt right & never worked Back to organic, iterative, testing tons of things = worked Don´t lead from "board room" Lead from "trenches" Now @nntaleb has given me a word for it: Anti-fragile

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@klarnaseb

Sebastian Siemiatkowski

1 year

Pinsamt! #slarvnews Ett uppenbart troll pingar @EkonomiGabriel med ett mckt grovt felaktigt påhitt om relation Klarna och SVB Utan kolla med oss retweetar Gabriel @andreascervenka skriver då två artiklar, med dessa uppgifter utan att kolla med oss att de stämmer! Vägrar rätta!

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@klarnaseb

Sebastian Siemiatkowski

3 years

I svensk media målas det ofta upp en bild av att Klarna är den huvudsakliga anledningen till att skuldsättningen ökar i Sverige. Oklara avgifter & dyra delbetalningar - det är vad Klarna lever på, om man ska tro journalister och politiker. Bra att veta då:

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@klarnaseb

Sebastian Siemiatkowski

3 years

Hm @FlatCapital Hanna vad tror du om Flats motto som ”Delad glädje är dubbel glädje”?! 🤪 Media brukar skriva ”idag tjänade hen x när börskursen gjorde y” ”27600 aktieägare tjänade 100 msek idag!” Men oxå bra att några kortsiktiga lämnade😉 Skämt åsido, så roligt och förmanande!

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@klarnaseb

Sebastian Siemiatkowski

5 months

Klarna for the first time ever did over 100 bn sek payments volume in a single month! 23% growth Nov 23 over Nov 22

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@klarnaseb

Sebastian Siemiatkowski

3 years

Äntligen! 30 dagar på alla fakturor, slut på 15 dagars - alltid tid över lön Bort med avgifter, nu bara ränta, här fular branschen rejält! Viktigast! Slut för revolverande krediter - bara fasta delbetalningar Stort steg för hållbara krediter/betalningar

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Klarna skrotar kassako: ”Är en evighetskredit” | SvD

Den svenska betalbranschen är rutten. Det är huvudbudskapet från betaljätten Klarnas vd Sebastian Siemiatkowski. Nu skrotar bolaget en av sina mest lönsamma produkter – och lovar att gå i bräschen...

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@klarnaseb

Sebastian Siemiatkowski

10 months

I was getting ready for holiday packing my suitcase the other day and it reminded me of a lesson I learned almost exactly 20 years ago, in 2003. 💡 🗺️ Between my 2nd and 3rd years at Stockholm School of Economics, I went travelling with my friend. We had no money so our plan was…

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@klarnaseb

Sebastian Siemiatkowski

3 years

Every hour lost on discussing what we should be doing, planning, theorizing... Instead of actually doing, testing, iterating and learning. That’s the difference between a startup and a big company. Between success and failure. Too many people think they will talk to results...

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@klarnaseb

Sebastian Siemiatkowski

4 years

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@klarnaseb

Sebastian Siemiatkowski

2 years

Klarna is NOT BNPL BNPL is just 1 of many features Klarna is a payments network like VISA or MasterCard. 40% of our transactions are debit. Our ethical standards for credit are much higher than VISA/MC No late fees No revolving No limit in your face Interest caps much lower

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@klarnaseb

Sebastian Siemiatkowski

3 years

Det är dags för förändring och det är bråttom!

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@klarnaseb

Sebastian Siemiatkowski

6 months

Klarna nu ännu bättre med kollektivavtal!

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@klarnaseb

Sebastian Siemiatkowski

2 months

We published our full year results today and 2023 was a RECORD year! 🤯2023 was our biggest ever year in terms of GMV: within touching distance of 1 trillion SEK! 💪AT THE SAME TIME, driving a 95% improvement in adjusted operating result! 😊Back in black with 1st profitable…

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@klarnaseb

Sebastian Siemiatkowski

2 months

@OpenAI Just for clarity this is not a co-pilot, this is AI performing and concluding the conversations and errands by itself.

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@klarnaseb

Sebastian Siemiatkowski

10 months

Back when Apple launched BNPL a lot of media asked me what it would mean for Klarna. I remember saying the real problem would be for the banks because Apple getting into BNPL validates the BNPL model. It’s not Apple vs Klarna but Apple *and* Klarna vs the credit card industry.

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@klarnaseb

Sebastian Siemiatkowski

4 years

Thank you CNBC for making it official: Klarna is now the global innovation leader and Paypal the follower. We are humbled but eager to push the innovation and customer centricity in this industry forward at an increasing pace! @CNBC @PayPal

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@klarnaseb

Sebastian Siemiatkowski

3 years

Hurrah, now it is official! I am really me!

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@klarnaseb

Sebastian Siemiatkowski

6 months

Rätt ska vara rätt :-) @strandhall Vi är bank och på väg in i BAO och därmed blir @FinansforbundSV och SACO, @Ingenjorerna motpart, inte @Unionen Hade skrivit till dig direkt men ditt konto medgav inte kommenterar. Med tanke på en del av de ”lämna landet polack” kommentarer…

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@klarnaseb

Sebastian Siemiatkowski

2 years

700 km från oss är en demokrati under hot. Barn och vuxna en hårsmån från rädsla, förtryck, livsfara, terror. #ukrainas_sak_ är_vår Då skickar statsministern detta till Ukrainas folk? Minns ett annat Sverige Olof Palme Rör inte min kompis Solidaritet

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Magdalena Andersson: Andra länder får ta ansvar för ukrainska flyktingar

BRYSSEL. Går Ryssland in i Ukraina antas det leda till att stora skaror med flyktingar söker sig från landet.

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@klarnaseb

Sebastian Siemiatkowski

3 years

BOOM! Klarna top ranked sustainable bank! Consumers see the truth. Fake news media however protects the bank establishment. Response @jonnasima ? The bottom banks make too much money on blanco loans, buying ads. While politicians claims online invoice of 1000 kr a debt trap? 🤨

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@klarnaseb

Sebastian Siemiatkowski

1 year

Jag kan se paniken på @dagensindustri redaktion imorse... - OMG! - En rättvis rubrik för Klarnas kvartalsrapport. - Vad tänker ni med, hur ska vi förklara alla baissade artiklar vi skrivit??? - Men vi kan ju inte kovända nu? Hm, ok vi ger de ngt... 😂🤣

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@klarnaseb

Sebastian Siemiatkowski

1 year

Super strong Q3 performance today! Operating result up 42% on last quarter, massively outperforming the market with volumes & revenue up 22% YoY. Amazing US performance, 31m customers, and a ton of fantastic products like search and automated discounts saving people time & money!

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@klarnaseb

Sebastian Siemiatkowski

9 months

I first tried ChatGPT last November, and it was like magic - super impressive. It felt like when I opened the internet for the first time 20 years ago. So I instantly got in touch with Sam over at OpenAI and I said, “Look, I want Klarna to be your favorite guinea pig.” I think…

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@klarnaseb

Sebastian Siemiatkowski

3 years

I finally took a day off as CEO of Klarna. But don’t worry, we’re in smoooth hands.

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@klarnaseb

Sebastian Siemiatkowski

2 years

Putin forgot to read the excellent work by @imarreguintoft He analyzed all wars between small and large countries since 1800. Conclusion: Conventional war: small countries won 30%!!! When moved over to guerrilla warfare, small wins 64% of the wars!!! @nntaleb

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@klarnaseb

Sebastian Siemiatkowski

3 years

… att värdetillväxten i Klarna kommer gynna forskning och utbildning. Som @wellcometrust ,ngn som brytt sig om att se vem de är? Allt detta är irrelevant kontext för en klicktörstande mediaindustri. Sorgligt då de skapar ett samhälle där vi motverkar förändring och goda krafter!

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@klarnaseb

Sebastian Siemiatkowski

3 years

People:Klarna moves from banking to shopping.Not true! Old banking = poor, overpriced, bad ux, dirty tricks -> help bank profit Klarna banking = save time & money, less worry on finances @PriceRunner -> Help you get right product & right price = save time… Perfect alignment!

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@klarnaseb

Sebastian Siemiatkowski

1 year

Thrilled to share Klarna's Q1 2023 financial results 🚀! Klarna keeps growing, well ahead of the ecommerce market. This Q we’ve also launched super cool products, bringing AI into the Klarna app, creating an even more personalized and superior shopping experience for customers.

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@klarnaseb

Sebastian Siemiatkowski

2 years

My New Years resolution: I will NOT pursue happiness and comfort or what might lead to them. Instead I will strive to avoid or reduce what brings me unhappiness… …and enjoy the rest.

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@klarnaseb

Sebastian Siemiatkowski

9 months

🤔Here’s a piece of advice for founders based on my own experience. 💪If you find friends who want to start a company together, don't ONLY talk about all the amazing stuff you're going to do and everything you're going to achieve. 🥅Also sit down and ask, ‘how many hours per…

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@klarnaseb

Sebastian Siemiatkowski

2 years

1. Klarna has been profitable for its first 14 years of existence. 2017 = 14% EBT. Our established markets currently generate 1 bn in gross profit per year. 2. Since 2019 we have invested to become US market leaders with 30 m users, 60% brand aware. and 30 of top 100 US sites

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@klarnaseb

Sebastian Siemiatkowski

3 years

So kind. So proud! Shared with the fantastic teams here!

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Klarna tilldelas SvD Affärsbragd: ”Superkul” | SvD

Från ratat av näringslivseliten – till en global spelare på bara 16 år. Klarna och grundaren Sebastian Siemiatkowski tilldelas nu SvD Affärsbragd 2021. ”Energin och kärleken till det man gör är...

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@klarnaseb

Sebastian Siemiatkowski

8 years

Politiker sluta debattera skatter,fokusera på kostnaderna!100mkr för ny sajt åt arbetsförmedlingen?Jag gör det för 2

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AF betalade 100 miljoner för ny sajt – som inte blev av

Under två år har Arbetsförmedlingen satsat 100 miljoner på att utveckla en helt ny webbplats. Efter att tidsplanen spruckit förlängs nu satsningen med ett halvår och ännu fler miljoner. Men målsätt...

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@klarnaseb

Sebastian Siemiatkowski

2 years

Here is what passing on a billion usd, or something like that, looks like in real life. 😂😂😂 @velez_david My god I am so stupid sometimes!!!

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@klarnaseb

Sebastian Siemiatkowski

2 years

I must say, I am so humbled to work with these amazing engineers! They are such rock stars!

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@klarnaseb

Sebastian Siemiatkowski

2 years

It is a great win for consumers worldwide that Apple is now embracing a better form of consumer credit. Plagiarism is also the highest form of flattery 😉 Some more interesting dimensions of this announcement 🧵

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@klarnaseb

Sebastian Siemiatkowski

4 years

Så fortsätter SvDs missriktade rapportering om faktura på nätet, baserad på missvisande siffror från FI. Vi står inför ett sammanbrott av stora blanco krediter i Sverige, som Klarna INTE erbjuder, med tragiska påföljder för de drabbade. Största profitören? Schibsted SvDs ägare.

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@klarnaseb

Sebastian Siemiatkowski

3 years

In the last few months, we have welcomed back some of the most amazing talents that we have had to Klarna. Most of them were lost during the dark middle ages of 2010 to 2015 when Klarna was in disarray. I am so proud we have come so far since then...

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@klarnaseb

Sebastian Siemiatkowski

3 years

Mixed feelings today.Frustrated, embarrassed and sad for the incident & affected customers. Proud and impressed of all colleagues working day and night to address it. Services now normal. Investigation continues reducing nr of potentially affected customers.Still not even 1 is ok

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@klarnaseb

Sebastian Siemiatkowski

9 months

Whatever your skill set, when you start a company you will need to hire external support for things you don’t know how to do. When you do that, its *really* important to check you all have the same idea about what you agreed to. 🚀When we started Klarna, we were three kids in…

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@klarnaseb

Sebastian Siemiatkowski

3 years

Blir så glad när jag ser #draknastet Mamma med son vill ta tårtföretag ut i världen!! Visar sant entreprenörskap, hårt och svårt arbete, fullt av lärande, kavla upp ärmarna Kloka drakar som Lena Apler brinner för eldsjälarna Äntligen @SVT berättar om en annan sida av näringslivet

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@klarnaseb

Sebastian Siemiatkowski

1 year

Happy and honored, with @bchesky & Airbnb team to bring better payments experiences to Airbnb users worldwide! I remember meeting Brian + co-founders in small office 2009!!! To me Airbnb distinguishes itself in SF as it never lost sight off or commitment to its customers and…

@bchesky

Brian Chesky

1 year

9. You've asked for more flexibility to pay for your stay. Now, you can pay in installments

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@klarnaseb

Sebastian Siemiatkowski

3 years

Varför är vi svenskar inte argare? Människor dör, hela samhället drabbas, den ekonomiska kostnaden är enorm. Vi ligger kraftigt bakom i vaccination. Var är dagliga uppdateringar med åtgärder för att ändra utfallet? Varför säger inte regeringen att hittills är ett misslyckande?

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@klarnaseb

Sebastian Siemiatkowski

2 years

Lite nervöst å stundtals känslosamt att göra @sondagsintervju med @martinwicklin . Men jag hade fint sällskap genom hela intervjun! Önskar man fick fler chanser att gå på djupet om Klarna, livet, medierna eller samhället. Ofta blir det så kort och vinklat.

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@klarnaseb

Sebastian Siemiatkowski

2 years

3. As investor sentiment shifts it is time to return to profitability. But now we are doing so on a global platform, 150 m users, over 20 markets and 400 k partners 4. We don't do pref shares only common stock. Other private startups fundraise and valuations are not comparable.

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@klarnaseb

Sebastian Siemiatkowski

10 months

Big decisions can be scary! When I was studying at university twenty years ago, all my friends were getting jobs in banking. Back then only 7% of students started a business (that is 70% today!). Me and two friends had this crazy idea to start a company and we would tell our…

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@klarnaseb

Sebastian Siemiatkowski

3 years

When our payments volume grow 77% And our losses grow 50% That means a 15% reduction in our loss rates It fascinates me how difficult it is to get the media to see that...

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Klarna rekordökar omsättningen – och förlusten

90 miljoner människor i världen är aktiva användare av Klarna. Det slår betaljätten fast i sin halvårsrapport – som i övrigt visade på starka uppgångar. Men också en massiv rörelseförlust på 1,76...

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@klarnaseb

Sebastian Siemiatkowski

3 years

Wow @SteveBartlettSC is such a star. I did not expect to share all of this! Thank you for giving me a voice, thanks for being mindful and careful with my story. It was easier to say it then to hear it myself! .

Klarna Founder: From $0 to $46 Billion: Sebastian Siemiatkowski

Listen to this episode from The Diary Of A CEO with Steven Bartlett on Spotify. Sebastian Siemiatkowski is one of the most successful businessmen in Europe. He is the founder of Klarna, a company...

open.spotify.com

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@klarnaseb

Sebastian Siemiatkowski

2 years

Kul att se Flows nya värdering om 500 musd, vilket innebär 11 gånger @FlatCapital s bokförda värde! 1.7 msek är nu 20 msek!! 37% årlig avkastning på den investeringen

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@klarnaseb

Sebastian Siemiatkowski

9 months

Trying to hire and manage somebody that does something that you have no clue how to do is very, very tough. The really tricky thing is to know what good looks like. Soon after we started Klarna we had a working technical product but the developers who built it had all left.…

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@klarnaseb

Sebastian Siemiatkowski

7 months

Klarna is officially a delegation to the EU! Our neighbour here is the US delegation lead by @SecYellen . The little kid in me finds this kind of cool! It was so amazing speaking to @EUCouncil 27 Finance Ministers today. In the end as Chris Olsen, original Sequoia investor said…

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@klarnaseb

Sebastian Siemiatkowski

3 years

My turn, Covid confirmed. Has been mild to me, confirmed yesterday but on my 5 th day. Reminds you again of all the ones, it has not been mild too. Wish Swedish government could really take on this vaccine challenge with all creativity and focus.

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@klarnaseb

Sebastian Siemiatkowski

2 years

Today our H1 financial results showed exceptional growth in US and UK plus growth across all markets. GMV is +21% vastly outpacing e-commerce at -6%, we’re up 24% in revenue and we have 150m customers and 450,000 retailers. More below 🧵

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@klarnaseb

Sebastian Siemiatkowski

1 year

Ooof! Americans owe $1 trillion on their credit cards. One. Trillion. Dollars. That’s $4,000 for every US adult. Average outstanding balance on Klarna is $120!

@business

Bloomberg

1 year

Americans have nearly $1 trillion in credit card debt

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@klarnaseb

Sebastian Siemiatkowski

6 months

It is INSANE 🤯 that 1 out of 3 European banks 🏦 do not allow you to make a bank transfer where the money arrives immediately. And those that do, charge up to €30 💶 for it, EVEN if the cost to the banks of this is basically zero 🤷. It would have been nice if all banks had…

@McGuinnessEU

Mairead McGuinness

6 months

🏎️ Instant payments: across the finish line! Great to see agreement between @Europarl_EN and @EUCouncil on the new regulation on #InstantPayments , to make them universal, affordable & secure. Fantastic news for everyone who wants their payments processed in seconds, not days.

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@klarnaseb

Sebastian Siemiatkowski

3 years

Oj! ifrågasätta @dagensindustri får man INTE göra! Jag måste tystas! Påklistra mig saker jag inte sagt Låta Bråse utmåla mig som gaphals + likna Klarna vid bedrägeriföretag, under rubriken ”åsikt”, då är allt tillåtet Nästa "avslöjande" är att vår tillförordnade riskchef slutat..

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@klarnaseb

Sebastian Siemiatkowski

2 years

5. But let's be honest, it is odd. Seeing Klarna valued slightly more than mid 2019... OK better than Paypal same value as at the end of 2017 ...but odd considering all the things achieved, how much larger and better we are now 6. What does not kill you makes you stronger...

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@klarnaseb

Sebastian Siemiatkowski

1 year

Excited for Klarna to be one of the first shopping plugins with @OpenAI . Huge thanks to the teams that worked on this - more proof of Klarna transforming the e-commerce industry and there’s so much more to come!

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Klarna brings smoooth shopping to ChatGPT | Klarna International

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@klarnaseb

Sebastian Siemiatkowski

2 years

Good safe advice? Don't use debit=money you have,and sometimes BNPL at 0% no late fees Use credit cards,borrow against all spending+invest the money. Be lured into 54% revolving? Moneysaving expert @MartinSLewis ,do you make money selling credit cards?

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Martin Lewis explains how to use 0% credit cards to make money

The money guru says stoozing can make you "a pretty penny" – but only if it's done right

www.coventrytelegraph.net

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@klarnaseb

Sebastian Siemiatkowski

3 years

@otkaznik Have you been abroad? 😉 Two things can be true at the same time: Sweden is a tremendously prosperous country with amazing opportunities for all There are tremendous opportunities for improvements in Sweden to make it even better for all

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@klarnaseb

Sebastian Siemiatkowski

4 months

Här har något gått ordentligt snett hos oss, sorgligt och pinsamt. Jag och vi beklagar! Det är en kö av ärenden som på något sätt inte hanterats ordentligt. Vi utreder det som en incident. Om du drabbats! Hör gärna av dig till mig direkt också!

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Stellan, 59, får inte ut sina ärvda pengar från Klarna bank

”Hur lång tid kan det egentligen ta att göra en vanlig banköverföring?”

www.aftonbladet.se

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@klarnaseb

Sebastian Siemiatkowski

3 months

Thinking about this a lot at the moment...

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@klarnaseb

Sebastian Siemiatkowski

3 years

. @Aftonbladet s läsare förtjänar bättre! Är detta ok? När man har sådan makt och kan krossa människor och företag? Titta på bilden, jämför vad som hänt, med vad Aftonbladet skrivit, avgör själv! Om detta bara var ETT undantag... #slarvnews @jonnasima @schori @gustaferi @medierna

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@klarnaseb

Sebastian Siemiatkowski

1 year

Våndan på DI redaktionen fortsätter 😉 - Bra resultat av Klarna, men det är ju INTE i linje med vår story, det är ju kris därborta! Och kris säljer klick! - Rubriken på artikeln blev för positiv vi skriver Ny miljardförlust så håller storyn"

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@klarnaseb

Sebastian Siemiatkowski

10 months

Bankvärlden är det perfekta exemplet på dåligt fungerande marknad. Dyrt och svårt att starta bank, svårt att byta bank, fullt av dåliga lagar som missar sitt syfte. Dessutom orkar många inte bry sig när alternativ saknas. Det finns regler som kan skydda stabiliteten OCH öka…

@dagensnyheter

Dagens Nyheter

10 months

Miljardvinster för storbankerna – samtidigt slår räntan hårt mot svenskarnas bolån: “Hur länge ska man behöva bita ihop?”

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@klarnaseb

Sebastian Siemiatkowski

1 year

The interest on $1trillion is $200 billion. This year, Americans will hand over the equivalent of the GDP of New Zealand to credit card companies in interest. BNPL charges no interest. And people wonder why we are growing?

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