After 20 years at the helm, Klarna's CEO Sebastian Siemiatkowski is about to face his biggest test yet

1. Klarna faces challenges ahead of its IPO valuation estimated at $15 billion. 2. CEO Siemiatkowski remains optimistic about Klarna's future despite past valuation drops. 3. Klarna reported revenue growth of 24% year-over-year, reaching $2.8 billion. 4. AI implementation has led to workforce reductions, improving profitability. 5. Partnership with DoorDash faced backlash but aims to expand user-friendly payment options.