If you shop on the internet, you’ve probably seen Klarna—and its buy-now, pay-later installment offers—when shopping at major retailers like Bloomingdale's, Foot Locker, or Sephora. The company’s plans allow shoppers to break up purchases into four equal payments, with no interest. Klarna CEO Sebastian Siemiatkowski says installment plans fill a gap in the market, allowing customers some payment flexibility without the interest and fees found with typical credit cards.

But Klarna does much more than just installments. On this week’s episode of Leadership Next, Michal and Diane Brady talk to Siemiatkowski about Klarna’s early adoption of AI, why the company also offers credit cards, and its growth plans.

Leadership Next is powered by Deloitte.