The concept of "buy now, pay later" (BNPL) is firmly embedded in the global shopping landscape. Apple is the latest to join the fray in letting consumers pay for purchases over time. Back in 2020 the sector was worth around $90 billion. That number is set to explode to nearly $4 trillion by 2030. Klarna is a leader in BNPL and is now incorporating ChatGPT functionality to improve the shopping experience. Joining Julia to discuss is Klarna CEO Sebastian Siemiatkowski. 

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