Klarna-Vision: A Super App Future

In partnership with

Hi AI Futurists,

Klarna is no longer just a “buy now, pay later” app. The company is expanding into mobile plans, stock and crypto tools, and personalized financial guidance, all shaped by user behavior. Its goal? To become a one-stop digital assistant for your money, your subscriptions, and your everyday decisions. Let’s take a look.

Here’s our agenda.

• Our Sponsor: Notion

• Top AI news

• Klarna bets big on becoming a “super app”

• Top 3 selected AI tools

• AI in the wild

Best,
Lex

Do More. Spend less on SaaS.

Launch, grow, and scale your company faster with Notion.

Thousands of startups rely on Notion to move quickly, stay aligned, and replace multiple tools. Whether you're building a wiki, managing projects, or writing documentation, Notion is your all-in-one workspace.

Get up to 6 months of the new Plus plan + unlimited AI, for free!

To redeem your Notion for Startups offer, simply visit the Notion for Startups page and apply.

Get the offer

Top AI news

• 🚦 AI Traffic Solution Cuts Emissions by 37%
UT Dallas neural network cuts urban emissions with smart signals.

• 📶 Self-Healing 5G Networks Launch Globally
Ericsson + AWS system patches mobile outages in under 90 seconds.

• 🧬 BioNeMo Accelerates Cancer Drug Discovery
NVIDIA reduces protein analysis from weeks to hours.

• 🤖 Galaxy S26 Integrates Perplexity AI Assistant
First smartphone with native AI to book and manage life.

• 🧳 Google Mariner Handles Complex Travel Planning
New assistant juggles 10 tasks with natural language prompts.

• 💻 Claude 4 Revolutionizes Code Development
Processes entire codebases at once to boost developer flow.

• 🧠 Apple Opens Core AI to Developers
New API lets third-party apps tap into Apple’s models.

• 👶 AI Detects Early Autism Signs in Toddlers
Vision tool hits 89% accuracy in play-based screenings.

• 📊 AI Market Hits $391B Valuation
Healthcare and logistics drive 35.9% compound growth.

• 🧑‍💼 97 Million Now Work in AI Roles
Job creation in AI outpaces all tech forecasts.

Klarna eyes “super app”

Klarna CEO Sebastian Siemiatkowski is doubling down on AI to help the fintech company transform into a full-fledged “super app,” offering users not just financial tools but also mobile phone plans, investment services, and personalized advice. In a CNBC interview, Siemiatkowski explained that Klarna is using AI to adapt more precisely to user behavior — aiming to move from just offering “buy now, pay later” into a broader, context-aware financial assistant.

Klarna’s latest move is the launch of U.S. mobile phone plans via telecom startup Gigs, which offers unlimited data for $40/month. It’s a step toward Siemiatkowski’s goal of simplifying customer experience through AI, learning from earlier failed super-app experiments where Klarna overloaded users with too many disconnected features. Now, he believes AI can create a “private banker”-like digital companion that proactively spots opportunities — such as cheaper subscriptions — and acts on behalf of users. He added, “There’s a tremendous opportunity... but it’s just getting it to work.”

Despite losing $99M last quarter and carrying a U.S. brand image tightly linked to BNPL, Klarna is betting big on becoming a holistic financial ecosystem — and isn’t far from adding stock and crypto investing either. As Simon Taylor of Sardine.ai put it: “Owning the customer” in the AI age means being the go-to interface for all things money. It’s a reminder that in digital life, whoever curates your spending habits might soon curate your investments, your data plan — maybe even your daily decisions.

Takeaways at a glance

• Klarna launches $40/month unlimited mobile plans via Gigs in the U.S.

• AI is central to its transformation into a super app, offering more than payments

• CEO emphasizes use of AI to personalize services and automate money-saving decisions

• Klarna aims to be a “digital financial assistant,” possibly including stock and crypto investing soon

• Past attempts at being a super app failed due to poor UX; AI may fix that

• Klarna still wrestling with U.S. perception as “just” a BNPL company

• IPO plans are on pause amid political uncertainty, but U.S. remains its biggest market

What We Think About It:

• Klarna is one of the few Western fintechs taking a real swing at building an AI-native super app. The pivot from BNPL to full-stack financial life assistant is bold and overdue. If Klarna nails UX and trust with AI, they could quietly reshape what a Western neobank looks like.

What You Can Do Right Now:

• Look at how Klarna is rethinking its role in people’s everyday lives — not just as a payment tool, but as a daily utility. Whether you're in product, marketing, or strategy, consider how the services you support could evolve to meet broader needs. Think in terms of ecosystems, not just features.

Get more done with these AI tools

Second Brain

Second Brain allows you to AI chat with anything on a Visual Board — you can drop as much context and chat nodes as you want. Over time, you build a knowledge base — everything is interconnected, and you can AI chat with anything inside.

Krea

KREA is a website where you can use AI to make images and videos.

Fellow.ai 

Get support before, during, and after every meeting with the only AI meeting assistant built from the ground up with privacy and security in mind.

AI in the wild

That’s all for today, folks!

• Reach out to our audience by becoming a sponsor here.

• If you’re enjoying the newsletter, share with a friend by sending them this link: 👉 https://www.futureblueprint.xyz/subscribe

• Looking for past newsletters? You can find them all here.

• Working on a cool A.I. project that you would like us to write about? Reply to this email with details, we’d love to hear from you!