Sebastian Siemiatkowski

Klarna BNPL operating playbook, public CEO writing

Sebastian Siemiatkowski is co-founder and CEO of Klarna, the Swedish payments company he co-founded in 2005. Under his leadership Klarna scaled its buy-now-pay-later product to hundreds of millions of users across dozens of markets. He is notable among founder-operators for publishing direct, often contrarian views on AI adoption, headcount reduction, and product philosophy.