@klarnaseb profile picture
Sebastian Siemiatkowski @klarnaseb

Co-founder & CEO @Klarna. Building the world's most consumer-obsessed bank, 100M active customers, soon 1M merchants, smarter credit, lower cost.

Joined April 2011
  • Posts 3,967
  • Following 432
  • Followers 48,561
300 Photos and videos
Sebastian Siemiatkowski reposted
Klarna
@Klarna
Jul 1
1/ Klarna is now part of one of the largest second-hand marketplace in the Nordics. 🇸🇪 🇳🇴 🇫🇮 🇩🇰 We've partnered with @VendMarket — bringing flexible payments to Blocket, Finn, Tori, and DBA. Millions of weekly users. One seamless checkout experience.
1
3
27
7,066
Sebastian Siemiatkowski reposted
Flat Capital
@FlatCapital
Jun 25
DING DING DING!!!🔔 Idag noterades vi på Nasdaq Stockholms huvudlista. Ett stort tack till @NasdaqExchange och @dise_tv för en fantastisk dag! Hela ceremonin livesändes på vår YouTube-kanal, inklusive DI-intervjun som ni kan se här: youtu.be/mux89klKI50?si=irQq…
1
1
25
2,601
Sebastian Siemiatkowski reposted
Fredrik Hjelm 🇸🇪
@FredrikHjelm4
May 21
Two of Sweden's most-used consumer apps, same building in Stockholm. Voi x Klarna is live today. Riders in Sweden and Germany get 2 free rides when adding Klarna as payment method. More to come. Thanks @klarnaseb and team. Go Sweden!
22
14
290
57,172
Exciting news! Klarna has now reached 7 million consumers in France That's 1 in 7 French adults App usage up 221% year-on-year France is becoming one of our fastest-growing markets in Europe and we're just getting started. 🇫🇷
34
7
223
54,128
Great to be on stage with @matiii at @elevenlabs Summit in London. Had the chance to touch upon some important topics that I feel often get misunderstood about Klarna! Will do my best to summarize the key points in this thread 🧵
0:15
9
10
83
16,469
5/ We moved away from parts of our SaaS stack. Not to save license fees, but because siloed data limits AI performance. If your CRM, docs, support logs and code all live in separate silos, your AI will never be great. Consolidation was about enabling better intelligence, not attacking vendors.
4
9
6,770
Thank you to everyone at @elevenlabs for having me! To see the full video, head over to elevenlabs.io/events/elevenl….
1
6
5,945
Proud! Adding to my previous tweet, today we announced that the Klarna app now reaches more than 55 million monthly active users globally – with 9 million of you opening the app every single day to bank and pay 🚀 We are executing on our vision: Building Klarna into the everyday money management app people rely on in daily life, and steadily becoming the global digital bank for the next generation! klarna.com/international/pre…

Klarna Reaches 55 Million Monthly App Users as Usage Surges 53% Year Over Year | Klarna Internati...

klarna.com
Sebastian Siemiatkowski
@klarnaseb
Feb 19
We just announced our Q4 results, our first billion dollar revenue quarter. In Q4 we delivered. 👉Active consumers reached 118 million, up 28% year-over-year. 👉Merchants grew to 966 thousand, up 42% year-over-year. 👉GMV came in at $38.7 billion, above the top end of our guidance. 👉Revenue grew 38% to over $1 billion, also beating guidance. But what’s really cool is, the number of consumers using our banking products has doubled in the past year. And those consumers generate more than three times the revenue of our average consumers. Let’s look at this in more detail 🧵
10
6
114
31,042
Idag tog vi ett viktigt steg i kampen mot bedragare. Nu ska det vara väsentligt mycket svårare att skicka SMS med Klarna som falsk avsändare. Tack Tele2, Bird och många andra som hjälpt till med att få lösningen på plats! Rullas även ut i fler länder! Mer kommer!
13
1
116
25,121
2020: They said we would never make it in the US… Now almost 30 m users 2022: They said we would never turn -$100M/month into profit… Turned it in 18 months. 2025: They said our growth was too slow. Took it from 8% to 38% YoY in 4 quarters. Every time Klarna teams proved them wrong! 2026 Now they want more profit. Let’s do it!
42
10
308
46,552
Amazing a video like this is possible nowadays, without me spending virtually any time on it. Instead, I get more time working on Klarnas business and addressing things like the amazing feedback we collected here earlier. As well as spend even more time with customers!
Klarna
@Klarna
Feb 19
CEO @klarnaseb AI avatar is here to give you a download of our record breaking Q4 earnings👇
0:58
23
5
105
48,489
We just announced our Q4 results, our first billion dollar revenue quarter. In Q4 we delivered. 👉Active consumers reached 118 million, up 28% year-over-year. 👉Merchants grew to 966 thousand, up 42% year-over-year. 👉GMV came in at $38.7 billion, above the top end of our guidance. 👉Revenue grew 38% to over $1 billion, also beating guidance. But what’s really cool is, the number of consumers using our banking products has doubled in the past year. And those consumers generate more than three times the revenue of our average consumers. Let’s look at this in more detail 🧵
32
10
161
118,060
15.8 million consumers use our banking services. This group of consumers: ✅Use one of Klarna’s financial services such as the card, Fair Financing, or savings. ✅Grew 101% year-over-year. ✅Generate $107 in revenue per user compared to $30 for the average Klarna customer. That’s the conversion we’re driving, and why we’re leaning into this growth.
2
30
12,445
At the same time, we continue to transform our cost structure through AI-enabled productivity. Since Q4 2022, revenue is up 104% while operating expenses declined 8% and headcount is down 49%. That’s driven revenue per employee to $1.24 million, up 3.6 times since 2022.
1
26
11,161
If we would be around 2000 employees in 2030… Then due to natural attrition where people leave for new opportunities, at a rate of 15-20% per year, on par with other tech… No hiring would mean 3000 × (0.80)^4 = 1,228 We still need to hire 800 in the coming years…
18
1
52
25,938
🚨BREAKING: I see a lot of BREAKING announcements that are old news and nothing new under the sun! Please X and @elonmusk give me a BREAKING filter!
11
4
80
20,839
Load more