Bridgewise Venture Capital的动态

**Is Klarna's IPO the Start of a New Banking Revolution? ????** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

**Is Klarna's IPO the Start of a New Banking Revolution? ????** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

**Is Klarna's IPO the Start of a New Banking Revolution? ????** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dTxGsKrN Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dTbGtUeh

**Is Klarna's IPO the Start of a New Banking Revolution? ????** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

**Is Klarna's IPO the Start of a New Banking Revolution? ????** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

?? The Klarna Effect: Klarna's Ambitious Push to Redefine Banking In a bold move that's catching the financial world's attention, Klarna is expanding its footprint beyond Buy Now, Pay Later. As an investor, we are keenly watching this transformation. Key Developments: ? Launching personal accounts for deposits in the U.S. and Europe ? Introducing cashback rewards of up to 10% at participating retailers ? Offering up to 3.58% interest on deposits for EU customers ?? Why This Matters: 1. Deeper push into traditional banking 2. Encourages users to centralize spending and saving on Klarna's platform 3. Potential for increased customer loyalty and engagement ?? IPO on the Horizon? ? CEO Sebastian Siemiatkowski hints at possible 2024 listing ? Discussions underway for a potential secondary share sale to provide employee liquidity ? Current valuation estimated in the high-teen billions ??: https://lnkd.in/eHVFrnFK We're proud to see Klarna's continued evolution at Manhattan Venture Partners. This expansion into full-fledged banking services validates our early investment thesis and underscores the potential we saw in Klarna's innovative approach to finance. As they edge closer to a potential IPO, we're excited to be part of this journey of reshaping the future of financial services. #Klarna #Fintech #BankingInnovation #VentureCapital #MVPAllStarFund #TechInnovation #preipo #siliconvalley #unicorn #MVPALLSTARFUND #mvpvc #mvp #therealmvpvc #venturebytes #allstar #ipo #research #technology #tommorowsipostoday #SecondaryAsAService #saas #SecondariesAsAService

?? Klarna, the Swedish Fintech Leader, Prepares for U.S. IPO! ?? We are thrilled to share a major development in the global fintech market. Klarna, a trailblazer in the buy-now, pay-later (BNPL) space, has confidentially filed for an IPO in the United States, targeting a valuation between $15 billion and $20 billion. This pivotal move underscores Klarna’s strategic expansion into the U.S. market, where it has rapidly grown to become its largest revenue source. ?? Dive into the full story here: https://lnkd.in/dj7Fp8Ch This U.S. IPO could mark a turning point for the BNPL industry, with Klarna setting the stage for what may become a trend among fintech giants eyeing the U.S. for their public debuts. Massive kudos to Klarna’s CEO, Sebastian Siemiatkowski, and the dedicated teams driving Klarna’s success in this competitive market! Stay tuned to Fintech Industry Examiner for insights into how this IPO might reshape the landscape for BNPL providers and fintech innovators around the world. #KlarnaIPO #FintechNews #BNPL #USMarket #Klarna #SebastianSiemiatkowski #Fintech

?? Could Klarna's IPO Change the Future of Buy Now, Pay Later in the U.S.? ?? In a surprising move that could reshape the landscape of the fintech industry, Swedish BNPL giant Klarna has taken a significant step towards going public by confidentially filing a draft registration statement with the U.S. Securities and Exchange Commission (SEC). This important development comes at a time when consumer reliance on buy now, pay later (BNPL) solutions continues to grow, particularly as shoppers navigate economic uncertainties. Klarna’s ambition to enter one of the world's most competitive markets highlights not only its resilience but also its determination to expand its reach and influence. With return policies for e-commerce becoming stricter and payment options diversifying rapidly, consumers are increasingly seeking flexible payment solutions that enhance their shopping experience. But what does this mean for other players in the market? Will we see more startups following suit, or will Klarna set itself apart as an industry leader? As Klarna prepares for what might be one of this year's most closely watched IPOs, discussions around financial regulations and consumer protection are likely to heat up. Investors have kept their eyes on how established companies innovate under increasing scrutiny while navigating challenging market conditions. Are we about to witness a revolution in payment systems as we know them? And how can businesses leverage these shifts to drive innovation and improve customer experiences? Now is an exciting time for startups eager to connect with established firms looking at fresh approaches towards corporate innovation. ?? Want to be part of this evolving narrative? Connect with startups today! Drive your corporate innovation forward by booking a meeting here: https://lnkd.in/dFYwmbHq Join us in exploring this pivotal moment where traditional finance meets modern-day technology! What do you think—will Klarna's move inspire other BNPL services or create greater competition within fintech sectors? #Klarna #IPO #Fintech #BNPL #Innovation #Startups #TechCrunch #USeconomy #PayLater #FinancialServices Read more about it here: https://lnkd.in/d5vVjpBG

Woah! Klarna has filled for IPO in the US. Will 2025 be the year the Fintech IPO dam breaks? ?? Klarna submitted its paperwork to the SEC on November 12th. There are reports of a $20bn valuation, but Klarna hasn't announced pricing or the number of shares on offer. Klarna claims 85 million customers and over 575,000 merchants. The company delivered its first adjusted profit in the first half of 2024. ?? This is a watershed moment. Klarna has been foreshadowing this listing for a while, so it's not a shock to see them list, but what is interesting is where and when they've listed. ?? The US is the logical place for a firm with large US presence to list. - The US stock market tends to be much kinder to tech companies than the UK or European stock exchanges. - Adyen and Wise are notable exceptions, but even UK companies like ARM listed on NASDAQ. - Europe HAS to get its act together to capture growth companies in the future. ?? Announcing now, as tech and finance stocks are up is great timing. - Klarna has got a lot of PR mileage out of its AI usage, but its timing on profitability and the market cycle is ideal. - Investors in 2023 were bearish on Fintech generally, we saw no IPOs. But as the index has improved so has investor sentiment, maximizing the chances of a strong launch. ?? What a comeback story. - Klarna once valued at over $45bn, dropped to $6.7bn during Fintech winter, only to be recently revalued by an investor closer to $14bn and potentially IPO at $20bn. - That's a massive number. ?? BNPL is one of the best and most true disruptive innovations in Fintech - I've written before that BNPL based on all available data I've seen is less bad than revolving credit lines (like credit cards) and WAY better than pay day loans. - Things can still go wrong of course, as they can with any product, but I think the BNPL = bad crowd have now firmly lost the debate. ?? Nobody is talking about BNPL and fraud. - Anything that allows more frictionless commerce is a fraud risk. - A common use case is wardrobing (buy, wear once, send back without ever risking cash). But there's also more sophisticated attacks. - The industry will react well to this, but merchants now need to figure out where BNPL and other non card methods (like pay by bank) fit in their payments and risk strategy. Kudos to everyone at Klarna for making it here. Game on!

Thursday fintech post ? ??? It’s a long way to the top. Buy now, pay later giant Klarna has filed for its much-anticipated IPO in the US. The details have not been disclosed yet, but the media has a valuation number hovering around $20B. Klarna was founded in 2005 as a B2B factoring company called Kreditor. Then, it pivoted to instalment payments, which fit the needs of Sweden’s finance market. With the further digitalisation of finance (Sweden is one of the biggest innovators and advocates of money digitalisation), the company grew and developed. Leading to 2021, Klarna became a BNPL beast, it was a huge success, and the company had a $40B valuation at the time. Then comes the harsh reality: cheap money has ended, rates were rising, and everyone from every corner screamed, “BNPL IS DEAD!!! IT’S UNSUSTAINABLE BUSINESS MODEL!!!”. High delinquency rates, profitability issues, and 85% valuation cut to $6B. Nevertheless, the company took the hit well. It managed to cut costs dramatically, reaching $1.23B in revenue and $66M (1H’24) in profit in 2024. The company improved its credit underwriting mechanisms and partnered with OpenAI for better work efficiency, and its delinquency rates look lower than those of the general market. The team did immense work. Now, Klarna is launching products every now and then, partnering with Adyen and Xero, and after teasing the finance community with how capital-efficient it has become in press releases and reports, it is filling for an IPO. That potentially can be a textbook example for other companies. Right management plus a full understanding of your business combined with work and talent can end up in one of the greatest comeback stories in fintech. Interesting things to listen/read: Rex Salisbury ?& Simon Taylor share their opinion on how Trump’s victory can impact fintech: ?https://lnkd.in/eMas7pfP Rainforest issued a guide on Embedded payment pricing models for vertical SaaS: https://lnkd.in/e2cfA_V8 #Fintech #BNPL #IPO #VC #Investments #Lending #Payments