Klarna Founder: From $0 to $46 Billion: Sebastian Siemiatkowski | E98
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- čas přidán 8. 07. 2024
- This weeks episode entitled 'Klarna Founder - From $0 to $46 Billion' topics:
0:00 Intro
02:06 Your early years
14:25 Challenging your employees
29:40 The start of Klarna
48:41 The painful moments of Klarna
01:00:48 Your relationship with money as a billionaire
01:03:18 The death of your father
01:10:04 Becoming a father yourself
Sebastian:
klarnaseb?lang=bg
/ sebastiansiemiatkowski
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Wow this conversation was so diverse and the story at the end was super emotional.
We’re nearly at 100k subscribers, hit like and subscribe to enter into our 100k give away 🙌🏽
Good to know diary of a ceo is now just a payola podcast. Everything you've said about money, success & happiness & then you don't ask a single question about the ethics of buy now pay later or the research that shows Klarna etc are normalising debt for teenagers? Absolutely wild, Steven. I'm sure you and Sebastian have a deeply interrogated rationale that you kept to yourselves - Sebastian even gave you bait to talk about intentions, but you chose to lean into the part of your brand where the guest tells a sad story about themselves... Success is dehumanising.So is debt.
Good episode. I think you connect better with tech ceos
@@savelikeabear
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@@savelikeabear don’t you think we should first talk about parents responsibility to educate their children financially? And how about how parents should be there for them instead of letting them being raised by a shallow culture of comparison, likes and trends?
Just saying…
"Rules are not a reason for not thinking for yourself"
One of the best quotes from this podcast!
🙌🏽
Steven has the ability to get guests we didn’t know we needed… great podcast as usual 👍🏽 🙌🏾
Thanks Sam 🙌🏽
Exactly he brings on intresting people always a different story and lesson 💯
I was just going to comment this, Steven has the ability to make me listen for an hour to someone and something I have no interest in. How does he have us so hooked!
@@chelseahargrave7315 yeah considering there millonaries i feel like i can relate which motivates me
@@jhardworkpaysoff474 yeah really nice normal people! Love it
Where he said , he stoped saying that money doesn’t make you happy ….. first time I have heard someone say that on this podcast . Because it is true , thou no , the money as an object will not make you happy , but , being able to afford basic everyday needs and perhaps a vacation here and there ,is so important for our mental health . We live in a world , where most of us , if we want to eat , we need money , if we want to have a roof over our head , heating , water to wash ourselves and our clothes , we need money .
So saying money isn’t important is a straight up lie . It’s not important when you have it , it is so important when you don’t .
Thanks Aleksandra it’s an interesting point
@@TheDiaryOfACEO Thank you for having guests like this . Motivating me to just do .
He is not trying to be happy by his money, he’s trying to improve the world
“When life is handed to you on a plate you will never understand how the food was cooked”
I love this
This was a blessing of an interview. Not only did he expounded on what he been through but he always thought about how to derive solutions and not focus on the situation. Its a mindset and a blessing to see many obstacles in life but still think and focus on positive outcomes.
It has without a doubt become the favourite part of my week, to get home from work, get in my home gym and have a workout whilst listening to the podcast! I totally zone out of real life for an hour whilst learning from incredibly diverse and inspiring guests’ thanks Steve, another great episode ☺️👍🏼
Nice humble brag there.
This is me (without the home gym though 🤣), only 19, home gym pending by 25!
Absolutely amazing podcast! Genuinely can’t have a bad Monday knowing an episode will be coming out.
Steven I love how you get the best from whoever you interview in such a calm conversational manner. My heart went out to your guest's dilemma with his father and challenges for him and his family after moving from Poland to a new country. Really makes you think. I wish him and his family ongoing success. As fo never getting stressed... Wow... would love to achieve that... 🙏
This one of the most under-viewed interviews I've seen on this channel, yet so super informative. I'm an engineer myself in a very senior role, but this is the path I want to envisage. I have all these crazy ideas around AI, but never know where to put them, who to put them in front, or even the motivation. Motivation is key.
The most interesting point was about communication. Communication is the success of businesses. When you start fragmenting communication amongst a tree of key members and the developers, technical specifications become very diluted in expectations vs. reality. You have to listen for red flags, and assume everything is a red flag until it isn't. Engineering is such a complex subject that we don't expect anyone above to understand, but having people that don't understand sit with you and resolve issues is a huge part of expectation vs. reality and the empathy needed to objectively make critical decisions.
It's knowing what good looks like, and then going "I know this is good" - you don't need to be an engineer to understand the workflow of an engineer, and why engineers are huge, huge part of the success.
One of my favourite interviews so far. I’m in the process of launch a new tech company with zero tech experience so it was so reassuring to me to hear Sebastian go through the same struggles with CTO’s and devs. Also to hear him question the same things that have been troubling me about the time things take to code, the teams passion for the project etc. Thank you for this one Steven. One of my life’s goals is to to be interviewed by your on this podcast with the next 3 years. Amazing work 🙌🏼🙌🏼🙌🏼
Absolutely, bar none, the best channel on CZcams for business....I truly hope that not too many people find it! Invaluable
I literally run my 5K quicker on a Monday morning so I can get home faster and listen to this podcast while getting started with my workday :-) Thank you again! Sebastian is super authentic and a pleasure to listen to.
Yes Rachael! 👊🏽
Why not wait until the podcast is out and then listen to it ON your run? Could probably do 10k during this one 😉
@@KidKarnage06 i tried something like this but running is like forced meditation, youll listen to stuff but youll just hear it and not understand this happens with human voices not music
Wow, this podcast is truly amazing. Discovered it this weekend and I have listened to multiple life-changing episodes. Thanks Steve and to your amazing guests who have shown such authenticity and vulnerability.
Money doesnt make you happy , to really be free of all of the things allows us to know our inner happiness. But at the same time its so important. It was similar to me his story I grew up very poor. I wanted sucess, to radiate joy and it made me more passionate to get what was right for me. It sets a fire in you. Contrast is also so important, you need rich people around you both rich financially and emotionally in order to realise there is more. The issue often is peoples lifes are too easy. Not great but also not terrible and so a fire doesn't become lit. You also dont experience enough contrast in life to awaken compassion, truth and drive. The people ive seen that suffer the most are not those of us that have experienced great hardships but are those that need hardships to really experience. We need to experience life in order to truely be rich.
Such a humble, self aware, great all-round person, i could listen to him for hours. Thanks Steven !
Thank you so much to Sebastian for sharing his personal story about his father. Going through something similar with my brother for many years who is dependant on alcohol, so I listening to Sebastian's perspective really resonates with me.
One of my favourite chats so far. What a inspiring and great gentleman.
incredible interview! I planned on watching just the first few mins but couldn't stop :-) A lot of respect to Sebastian for what he accomplished but also how humble he remained in the process.
as someone who's father has passed away due to alcoholism recently this was really relatable thank you for being so open Sebastian
Mi mi mi
Thank you to all involved, for an incredible podcast 🤗 Sebastian, thank you for sharing your journey and inspiring so many people 🤗
Thank you for this podcast. Never knew that such a great person has been behind Klarna. Glad to be their customer.
I find myself coming back to this conversation.
He's incredibly charismatic
Thank you for this episode! That was absolutely amazing!
I listened to this last night whilst doing chores.
Excellent interview and very engaging. I have learnt a lot over the past few months watching and listening to these interviews 👍
Thank you Steven, awesome listening and Seb was a total gentlemen!! - see them coming Steven
Wow. ..love this. Hes so down to earth and his story had so many lessons! He doesnt realise how it will help many, including ME. Inspirational and an amazing personal insight. TY for doing this and so glad I came across it. Will change my life ❤
Sebastian was so down to earth. This was a awesome podcast, thank you!
I'm happy that I came across this channel today 🙌🏽 love the podcast! 👏🏽
Loved this episode. So insightful, great guest and interviewing skills, Steven!
Best one we’ve seen / listened to yet.
I'm not sure if you'll see this but I appreciate that you actually talk/ask about money with them.
The discussion and points made about solving/fixing pain problems within the biz, I totally can relate. The excitement of it for me, it goes to my own abilitiy to work under pressure, I typically do well and even enjoy it. Which is not saying I want problems, but more about seeing them hopefully before they get worse, but then solving it in realtime. Lastly, is trying to make sure it doesnt happpen again, is something I think biz. fail to finish problem solving with.
Another amazing podcast, great way to start the week!
👍🤩💝Oh wow, Sebastian is truly delightful. It was wonderful to listen to his story. I was emotionally moved when he started talking about his dad.
💡😭@1:06:23 - 1:07:08 you never know when you literally might be someone’s last hope. I have learned in life that if you can help someone, help them. I’m sure that Sebastian is haunted by not taking his dad’s calls that day. In the big scope of things, helping his dad monetary with his apartment was such a small small thing he could have done for his dad compared to all of the money that he himself had/has. I this this from my own life experiences. I pray he and anyone else / all of us living with this type of regret will heal.😭🙏💝
I hear you. Totally.
@@hellonomasonto 👍💝
Thank you so much for making this podcast Steven, it's just so insightful and inspiring to learn about entrepreneurship and business from these people. Every interview I watch there is something impactful that I can take and apply in my life rightaway.
Absolutely amazing Podcast, so many life changing lessons and good advice.
High 5 to the 6am DCEO club. 🖐
Hi bro, I'm a bit late, just watching this at 7:28am here in London!
@@swayfitness5777 You're here, that's all that matters. 👊
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Daaamn cuh, I'm not sure if you're boasting or complaining cuh. 5am, cuh, eh?
Fantastic podcast. Great to see what you can build with the drive and determination.
Another Monday and another DCEO episode. We love it
Thanks Hannah 🙌🏽
Perfect start to the week!
👊🏽 thanks emma!
What a great guy, he deserves all the continued success. Great Postcast.
Such a powerful discussion & a reminder that we have amazing potential within us & we can turn that into amazing things!
So true!
@@TheDiaryOfACEO thanks for the inspiration! 😊
amazing interview as always
Very insightful conversation, great stuff Steven 👏
Another outstanding share! Thank you
what a really interesting conversation - such a great story to be told - so much knowledge in this ! love it
Sebastian is really a great roll models for us entrepreneurs here in Sweden, Stockholm.
Greeting from Poland Sebastian, really inspiring story of yours! Steven, thanks again for bringing interesting guest as always
Fabulous conversation.
Great content! This is def one of my fave channels on YT. Have been following Steven since I saw him on stage at the affiliate marketing conference in Amsterdam back in the day. Keep up the good work 💪
Amazing podcast! Thank you guys ❤️❤️
🙌🏽
Brilliant interview!
Interesting podcast. On the topic of WFH - I think getting the right balance of days at home/in office creates the perfect working environment. I currently WFH 2/3 days a week and have been able to pursue my hobbies more with the 2.5 hours of commuting saved and actually begun monetising one of my hobbies, I’ve been able to stay on track with the gym and go on daily walks during my lunch break. All of this has led to more productivity in my work. The days in the office are also great as the mention of culture and social aspect is especially important.
Reshared on my LinkedIn profile. Such an amazing interview. Tiny bit proud to see my fellow Pole succeeding at that scale!
Best one so far I think!
Very insightful. Thank you.
Such an inspiring story ♥️
This interview showed the basic and fundamental truth about humanity. Black, white, or purple, we all have a story. As long as we keep moving there will always be a door somewhere. My whole family story revolves around immigration. From aunts to uncles to cousins to grandparents. It’s refreshing to hear someone ( white cis man ) speak about the adverse effects of immigration. Not only it has made him resilient but also vulnerable and kind. Great testimonial of perseverance.
And his tips on management are precious too.
Mandate vs suggest; or how to build a culture where people are proactive, responsible and content.
The best way to start my week 🚀
Yes Christian 🙌🏽
This was an amazing interview, it's sometimes lonely as an immigrant battling these "issues".
insane podcast, i subscribed
proud to be swedish, you are an inspiration to all swedes
Another great podcast as are all of them.
Love what you are doing!! Thank you!!! 💜🎉🙌🏻
Amazing very good!
Wish Sebastian and Klarna that all go well with Klarna and Pricerunner!
His thoughts on perspective were great.
Such a beautiful story ❤
this video should have millions of views.. one day it will.
You get some geusts. I am sure this channel will grow and grow. Subscribed 😆
Sebastian is a living inspiration for me due to my Polish decent and entrepreneurial dream. Would really willing to talk to him!
What a great interview.
Another brilliant episode. Much appreciated dose of motivation and inspiration to start a week. Keep up good work Steven 👍
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This podcast never fails to disappoint. Couldn't stop crying towards the end. Have a great Monday everyone and remember life is for living x
Sebastian is the Zlatan of the financial sector!
Very inspiring!
Great episode
Looking forward to listening to this..
The into 45 Billion. Wow
Brilliant episode! Great podcast- would to see you get James Smith pt on the podcast
This Podcast Series is a Mini MBA 🙌
😍😍😍 love this all the way from Malawi 🇲🇼
Busy day today but looking forward to watching this later, also looking forward to the GB 🇬🇧 entrepreneur final awards now I’ve learned of your attendance Steve 💪🏼
Let me know what you think 🙌🏽 go get em
Sweden to the world: You're welcome, here's yet another revolutionary invention/company from our country
I really enjoyed this conversation. As a developer I found Sebastian’s debacle with the original developers fascinating and trying to see it from both perspectives. While Sebastian questioned many of the potential partners motivations and potential which is definitely fair, I’ve learned that it’s too easy to assume that everyone around you will interact with the thing you love with the same zeal and motivations as you. As an owner you may have to really work to understand peoples motivations and play into it. Anyway a wonderful conversation and podcast. Thank you Sebastian and Steven
This is just an example of a guy starting a company without any clue of the tech itself.
And i think that is bad. Always.
Do something you have no idea of and people can fool you all day long.
He just got lucky.
Look at that like to dislike ratio! What a guy! Loving your content Steven keep it up
This guys had a rough 6 months - Klarna’s value has been slashed by redundancies and uncertainty from most recent funding round.
$46bn to $7bn - ouch.
Fingers crossed they turn it around. Would be nice to see another BNPL service provider excel though - gotta love the underdog.
Hahaha, this is the authentic balance of light and pain - the 13-year-old business plan made me LOL.
Made me think of little Tammi that sold a HUGE amount of raffle tickets in our South African neighbourhood.
I can't even deal with this wonderful story. I'm going to have to listen to this a few times 🙏🏼
Very inspirational. I hope he get to leave something for his kids.
I was mind blown by your guest’s honesty. I am sorry for his loss. Great conversation and always a pleasure to start a week with your podcast.
Thank you 🙏🏽
Would love to see Ben Francis on the show he is such an inspiration.
and great podcast as usual.
Inspirational 🎉
I am now a Huelian because of Steven. And learn about business every time I watch one of these videos.
👏 me too just took my monthly delivery today…. Getting a bit sick of the chocolate rtd though, banana all the way. Good to hear Steve leak there’s new flavours on the way.. I had major stomach issues and this stuff has been what medicine wished it was💪🏼💪🏼💪🏼
$46bn lord have mercy, these valuations are crazy. Congratulations any how.
I use Klarna all the time. Love it. It means I don't have to worry about stumping up a huge amount of money in one time
Best kick start to a Monday! #culturecanconquer 💪
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I found this channel with the Dame Dash interview. The guest was cool. This platform was excellent. I subscribed and been binge watching. Keep it bro!
He sounds so much like Jurgen Klopp! Great interview.
My mom is exactly the same as your father ! I couldn't relate more
*14 Life-Tips I wish I Knew In My 20s:*
1. Marry the right one
2. Don't Lie, ever
3. Learn to be Brave
4. Learn to Say No
5. Be curious about everything (ask questions)
6. Develop a Code and Live By It
7. Be Patient with Yourself (but put in the work)
8. Learn to Listen
9. Avoid Debt (big one! if you want to make some moolah!)
10. Seek out a Mentor
11. Develop a Space to Confined In and Ask Questions
12. Be Kind, Be Compassionate
13. World changes constantly, keep an open mind
14. Stop Nail-biting & nail-picking habit and get back your healthy, good looking nails(we got you!)
Take it easy and I hope you found one thing helpful in this list.
If you did, what was it?