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Sebastian Siemiatkowski, Chief Executive Officer (CEO) and founder of Klarna. Sebastian was born in 1981, has eight years of experience in sales and a degree in economics from Stockholm School of Economics. Having gathered insights into the payment industry during a gap year from university, he began to wonder what kind of payment solution for e-commerce would make it possible to separate the fun act of buying from the nuisance that is paying. Convinced that the solution to this dilemma would truly add value for both buyers and sellers, the idea to introduce after delivery payment as a service was born.