Welcome to the Tearsheet Podcast. I’m Tearsheet editor in chief, Zack Miller. Klarna is such an interesting company as part of our coverage universe. As one of the major buy now, pay later competitors, the firm is gearing up to IPO after hitting 15 million customers in the U.S., more than doubling over a year ago. But the company’s vision is way broader. Today’s guest is Klarna’s David Sykes, the firm’s president of North America. Pay attention to how David describes Klarna’s positioning as a financial services firm supporting its customers shopping experiences — that flows through to banking and payments, but also to shipping and returns. I think Klarna wants to be the bank of shopping. David Sykes is my guest today on the Tearsheet Podcast.