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Sebastian Siemiatkowski, Klarna’s CEO, speaks of Fintech event in London on April 4, 2022.
Chris Ratcliffe | Bloomberg via Getty Images
The CEO of Clarina is so much in artificial intelligence that it sees the change of 100 million users of Fintech every day.
Clarna – Popular Popular Pay – Pay Now Payment (BNPL) Payment method – Telecom services announce the launch concerts of mobile phone plans in the United States. Revintechs Revolut and N26 are moving in the Revintechs Revolut and N26 launching the opponent Fintechs Revolut and similar suggestions. Clarina’s plans come with unlimited information, calls and texts and will cost $ 40 per month.
The new Telko offers a new Telko to see Klarna’s Klarna’s visible Klarna’s Klarna’s Klarna, who can offer services outside Klarna’s traditional financial realms.
This is not the first attempt from the company. Earlier Klarna tried to make more ai with a “super application” – an ant group’s alipay and Tencent Wechat Pay – offers additional services via several different buttons. This ended to be “confusing for the customer”, but Siemiatkowski told CNBC in an interview with CNBC.
However, the Clarna boss stressed that he could be seen to be better to diversify the EU services and more to offer BNPL.
“I think that in this new AI world, customers had different services, and then the articulation and visualization of these services were historically,” Siemiatkowski said.
“With AI, you can abstract and receive more experience to the specific user you work,” he said.
Super apps are popular in China and other parts of Asia. Designed to serve as a window for all your mobile needs – for example, contain taxi disease and food orders in the same place as payment and messaging services.
However, if Super applications in Asia have flourished, it has not been accepted in Western markets Slow for a number of reasons.
‘Great opportunity’
Siemiatkowski says he spends a lot of time paying attention to the EU.
“It’s a great opportunity for it – but it’s just that’s just to work,” he said. “Everyone who uses it knows that some interesting things can spit on some interesting things, but then you need to make sure it works every time.”
Going forward, the head of the clarary became more “digital financial assistant” for the bank needs of users every day, “Digital Finance Assistant”.
“If there are some information that says that the carrier has a subscription or information or information or information or information or any information, Siemiatkowski will offer a better price model offer than AI, but also to apply a click and make a reality.”
Klarna admit the problems with a previous attempt to be a super appeal, Siemiatkowski said technology was not enough “mature”.
“As a result, the northern star for all financial products – especially Fintech – to become a financial advisor in your pocket and become a financial advisor in your pocket,” Simon Taylor, Sardine.ai said. “This is a private banker experience, but is provided by a brand, the supporter of your financial life is converted to the supporter of your financial life, and ‘Customer’ seems to be in the age age.”
Taylor added that many firms allow you to still use it, “There are companies such as the Klarna building and you are still trying to keep market share for future future.”
Clear Reported a $ 99 million loss For the quarter ended in March, depreciation, sharing-based payments and reference to the restructuring of the reconstruction.
Problem of perception
Again, there is a problem of perception to remove Clarina. In the United States, the company has become synonymous by the payment method, which allows consumers to pay orders on a monthly basis (BNPL).
On the contrary, European consumers, Siemiatkowski, according to Siemiatkowski, they accept that they can use Klarna to keep their deposits and to pay their work with a credit plan.
He also wished the disappointment to “we will be in the United States”, “OH, Klarna Nine … a sign of macroeconomic environments “to apply Food Delivery App Advertised Company Parcel with Doandash It was found online earlier this year.
Siemiakowski said that this kind of reaction will not happen in German or Nordic markets, Klarna has been working more than an online payment system.
Klarna sees a future as a financial ecosystem, such as additional services for investments and special services in crybuts – it is “not so far away.”
“It is the thing that has become a more standard part of a neobank offer, which has the ability to invest in both shares and crypters,” he said, not to compete with the popular US-Popular Trade Application Definitely.
When will Clarna iPo be?
Clear Planned to go to the public in AprilOf course, US President Donald Trump announced that the tariffs were swept in the country.
Siemiatkowski, Klarna saw what we saw to be ready for this stage, ie what we have to build a brand in the United States
“The United States is now the largest market for users. He is a profitable market for us,” he said. “Those things were done.”
The work strategy for Klarna remains the same as the company does not go to the public or go.
“It’s just a healthy way to manage liquidity for our shareholders, as well as to do so, it wants to do so and … This is a company that has been established and … Siemiatkowski said.
Follow: Why don’t US ‘super apps’
