Sebastian Siemiatkowski

And like, that's the future of retail banking.

And that we said in 2015, okay, so what does that mean for Klarna?

We're like, hey, let's become your digital financial assistant.

Let's be that assistant that saves you that time and money.

And ever since that, it's been like where we're going.

So all of these things now, obviously, I didn't predict ChatGPT.

I didn't predict all this stuff happening.

But that to me that we're going to become a digital financial assistant and we need the kind of technology that AI is.

to accomplish that was crystal clear for me for the last 10 years.

And I've just been running down that path continuously.

And to me, it's like self-driving cars.

We all know it's going to happen.

And at first, there was a huge hype.

And every day, we're reading the paper like, oh, my God, it's happening tomorrow.

Tomorrow, everyone's investing and it's crazy.

And then the hype dies away.

But I was always seeing people asking me, what do you think about self-driving?

I was like, look, it's going to happen.

My daughter is not going to get a driver's license.

I think Nick is a fantastic guy.