Klarna CEO Bets on AI to Power Financial ’Super App’ Ambitions

Klarna's $40 monthly mobile plan marks its latest diversification beyond buy-now-pay-later services. CEO Sebastian Siemiatkowski positions artificial intelligence as the linchpin for transforming the platform into a personalized financial assistant for 100 million users.

The Swedish fintech firm reported a $99 million quarterly loss amid heavy AI investments. Previous super app attempts failed due to cluttered interfaces, but Siemiatkowski claims AI enables dynamic service integration. "The technology allows us to tailor experiences to individual users at scale," he told CNBC.

Klarna's telecom partnership with Gigs represents a strategic beachhead. The company aims to leverage transactional data from mobile services to fuel its AI-driven financial ecosystem. Market analysts note the MOVE echoes WeChat's evolution from messaging to multipurpose platform in China.