Sebastian Siemiatkowski

I think, you know, Robinhood was like, I'm trading, I love trading.

Klana is very different.

Like our customers, like I shop online, I do shopping, you know, we skew more female than male.

We have a very different brand.

I would think of us more like a lifestyle brand, like a digital version of American Express.

That's how I think about Klarna.

So I think all of these growing fintechs, you know, I know David from Nubank since early days, right?

Like, I have a funny story where, like, I was down in Brazil meeting David when he was just leaving Sequoia, starting.

And, you know, we had a fantastic conversation.

We talked about the future of banking.

And then he sends me an email, which was like, Hey, Sebastian, would you like to like advise me a little bit?

I'm starting this new company.

And I was like, I'm sorry, I don't have the time.

So I lost out on a lot.

I would have been a great angel investor there.

But that's how life goes.

You know, that's how life goes.

I don't think anyone will cry for me over that.

I will cry over myself.

That's okay.