Fintech Disruptors: Klarna was established in 2005, just before the e-Commerce revolution took off in earnest. Since that time, you’ve enjoyed remarkable success as a company. Can you identify the factors that have helped to make the company so successful? Michael Rouse: Being founded in Sweden was a great test-bed for us. We developed a solution that takes on the risk for merchants as our customers, and offered the consumer the option of paying by instalments with a revolvin

Fintech Disruptors: Swedbank has brought its financial technologies, AI and digitisation efforts under your leadership and coordination in their Fintech Office. From your perspective in a major bank, what changes have you seen in the last year? Jonas Lagerstedt: I think the traditional banking sector has matured remarkably, especially in its attitude to fintech, over the last three years. Fintech has moved from being seen as a threat to being a source of opportunity. Since 20