Sweden Buy Now, Klarna later the company Klarna made its IPO DUT on September 10, 2025.
The arficial incinoff related to intelligence in America can have an impact on the lenders of the loan in advance, said Klarna Sebastian Moimiatkowski said.
“My concern is probably less like the Midterm than the short term. If I look at the short term,” If I look at the unknown technology, “the big type of FOX is turning,” Giemiatkowski said that the technology that is being increased quickly has become a big threat to the workers who work in the office.
SiemiaTkowski, who led Sweden’s Buy Now, paid later strongly for its IPO in September, looking closely at the wave of joint ventures, pointing out that most of those affected are not people with a lower or lower position.
They are workers with strong credit ratings who could face more economic hardship as AI exploits the labor market. It’s probably the opposite of what lenders usually see when they look at credit ratings, according to Moimiatkowski.
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“These are the people with more money who are affected. We are not people who work food jobs or restaurant jobs … There is still a great demand, “it is added.” But it’s the office worker who got the most money where the results are the most. So it’s very different from what we’ve seen historically. “
It is something that Klarna will “look into” as an issuer and lender.
The arficial incoffs related to intelligence in Corporate America can have an impact on borrowers, says Klarna’s CEO. (Bloomberg/Getty Images)
Nevertheless, Moiemiatkowski remains confident about the health of consumers in the near term. The company reported Global Revenue Up 26% year over year to $903 million, one of its strongest positions in terms of growth at the moment. Revenue was up 51% in the US market. Klarna expects another record quarter during the holiday quarter, with revenues in the Top $1 billion.
The company has 114 million active customers, 27 million active new players in three months. However, while Klarna attracted more customers, the average revenue per user fell by around 10%.
Klarna’s real loan losses improved slightly year-on-year, underscoring that consumers are still paying on time.
Klarna’s loan product sales But that rapid growth comes with some short-term accounting effects that make the company’s $95 million loss look worse on paper than it really is, according to Moimiatkowski. He said that Klarna should immediately set aside money for those loan loss items, but about 30% of the income from those loans is presented at the same time. Income comes later.
Klarna CEO Sebastian Siemickowski stands in front of the New York Stock Exchange on September 9, 2025, ahead of Klarna’s IPO. (Klarna)
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After accounting for actual credit losses, Klarna’s profit from sales increased by 25% in the third quarter. It expects about $100 million per $100 million in additional profit from fourth-quarter sales as revenue continues to grow.
Meanwhile, Klarna’s First Klarna card, according to Moiemiatkowski, has become a bright spot with more than 4 million customers signing up since its launch in July.
| It’s teasing | Security | – Last | Answer | change % |
|---|---|---|---|---|
| The sound | Klarna group plc | 32.53 | -2.35 |
-6.74% |
Siemiakowski said the company is creating a Debit card that allows people to make purchases with credit when they choose, rather than being forced into a credit card, which is how consumers really believe. The company also offers credit card-style rewards to go along with that.
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Klarna’s Klarna card, according to CEO Sebastian Moimitkowski, has been a bright spot with more than 4 million customers signing up since its launch in July. (Jonas Walzberg / Photo Alliance via Getty Images / Getty Images)
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“People aren’t used to seeing this type of credit card as a rewards debit card,” he said. “I think that’s a way to get the next kick that sounds really exciting, and it feels like people are responding really well, too.”
