cover of episode Building a Disruptive Payments Company (with Klarna CEO Sebastian Siemiatkowski)

Building a Disruptive Payments Company (with Klarna CEO Sebastian Siemiatkowski)

2024/6/24
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Sebastian Siemiatkowski
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Sebastian Siemiatkowski对支付系统进行了概述，解释了发卡方、收单方和支付网络在支付流程中的作用。他认为Klarna的成功源于其独特的商业模式，该模式解决了早期电子商务中消费者对在线支付的信任问题，并满足了商家的销售需求。Klarna最初的资金主要来自商户，而非外部融资，这源于其商业模式的巧妙设计，满足了商户的需求，而非单纯的资金需求。

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Sebastian Siemiatkowski provides a high-level overview of the payments industry, discussing the roles of issuers, networks, acquirers, and other players in the value chain.

Shownotes Transcript

The tenacity required to build Klarna over the last 19 years is astonishing. Despite several headwinds and changes in the payments landscape since founding, Klarna is used today by 150 million consumers globally, processing two million payments a day. Founder and CEO Sebastian Siemiatkowski joins us for one of the most honest and thoughtful discussions we’ve ever had on the show. If you’re a business strategy nerd, it’s a great case study in how to leverage the strengths you have as a startup vs. incumbents, and how to compete against other startups in your space. In Klarna's case: the rapid rise of buy-now-pay-later. Sebastian also takes us into the logic of his aggressive AI strategy for cost reduction, product experience, and payments innovation.

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