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David Sykes, who heads global payments provider Klarna’s U.S and North America operations, talks with Loyalty360’s Mark Johnson about Klarna’s launch of its first loyalty program, Vibe. The members can receive rewards for all purchases they make directly through the Klarna app, no matter what store they are purchasing from. Klarna has 4,200 retail partners in the U.S — including H&M, Sephora, The North Face, Timberland and Abercrombie & Fitch — and their global network includes some 200,000 retailers.

To read more about Klarna on Loyalty360, Johnson previously spoke with Sykes in an interview at the time of Vibe’s launch in June, which you can read here.