Sebastian Siemiatkowski (born 1981) is CEO & co-founder of the Stockholm-based payments company Klarna. While studying at the Stockholm School of Economics he was inspired to think about what kind of payment solution for e-commerce would make it possible to separate the fun experience of buying from the tedious process of 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. It was not until he traveled around the world with a fellow founder that Klarna began to truly take shape.