The spotlight is now on what Klarna plans to do next. Mr Siemiatkowski says the company — founded by him and two friends at business school in 2005 — is as close as it has ever been to an initial public offering today, but that for now pursuing growth is the priority.  Asked about iZettle and the temptations to sell out, he replied: “We are very humbled to be in this city that has given rise to companies like Spotify and King and others. The most important thing is, as Ingvar Kamprad [the founder of Ikea], said: most things are still not done. There is this massive industry — retail banking — that hasn’t put customers first. This is almost an unlimited addressable market.”

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