Sebastian: I think of some people say use the buy now pay later services through Karna and then are thinking of switching banks. But if you end up buying something through those services and then you are thinking of another bank and you see that they have those options and you had a good experience with them, there's definitely truth to that for sure. "I thought he was very candid in a matter of fact about a lot of issues," says TechCrunch Plus reporter Becca Scootak. The level of scrutiny that is available and expected in Europe for a privately held company versus North America 'was not something I was really aware of previously,' adds Sebastian.