你还记得那个用"AI 克隆体"代替自己发布财报的 CEO 吗？对，就是那个说"AI 能取代所有人类工作，甚至我自己"的 Klarna CEO，Sebastian Siemiatkowski。 就在今年 1 月，这位 AI 信徒在社交媒体上认真地告诉大家：理论上来说，AI 已经具备取代所有工作的能力，最终人类工作者将"难逃下岗"，包括他 自己也不例外。 可就在大家纷纷感叹人类"职业危机"到来之时，现在 Klarna 却悄悄"打脸"了自己：据多家外媒报道，最近 Klarna 重新开启了人工招聘，结束了为期一 年多的"招聘冻结令"——这不禁让人好奇：不是说好了 AI 会接管一切，为什么又重新开始招人了？ AI 真的能做所有工作？ 先把时间线拉回到 2024 年 9 月。Klarna，这家以"先买后付"（Buy Now, Pay Later）模式闻名的金融科技公司，当时被曝正准备实施大规模裁员：计划 削减近 2000 个工作岗位。 对此 Klarna 表示，公司早在一年前就已全面冻结招聘，以"自然减员"的方式减少组织规模。据悉一年时间内，Klarna 员工数从 4500 人减少至 3500 人，而 Sebastian ...

Group 1 - SoftBank Group is expected to report a net loss of 26.9 billion yen (approximately $184.4 million) due to the cooling of tech startups and increased losses from major investments [1] - The strong yen and the excellent performance of SoftBank's telecom assets, such as T-Mobile, which saw a quarterly increase of over 20%, may partially offset the negative impact of portfolio valuation adjustments [1] - Analysts predict a stark contrast in net loss for the January-March quarter compared to a net profit of 231 billion yen in the same period last year [1] Group 2 - SoftBank has announced its largest investment plan in years, committing $20-30 billion to OpenAI and acquiring chip startup Ampere Computing for $6.5 billion [2] - Analysts question whether these AI investments will improve profitability, as these projects have yet to show substantial results amid intense industry competition [2] - Market uncertainty has led to a cooling IPO market, which may further depress the valuations of SoftBank's unlisted portfolio companies [2]

全球可编程金融服务公司Stripe宣布推出多款新产品，助力企业利用AI加速业务增长。 Stripe服务着众多跨国及增长最快的企业客户，其中包括一半的《财富》100强企业以及78%的《福布 斯》AI 50企业。去年，使用Stripe的企业处理的支付总额达到1.4万亿美元，较2023年增长38%，约占全 球GDP的1.3%。总体而言，企业通过Stripe处理的收入增速是标普500指数企业的7倍。 在年度大会Sessions上，Stripe发布了全球首个支付领域AI基础模型，并宣布大幅扩展资金管理能力。 Stripe联合创始人兼首席执行官Patrick Collison表示："AI作为当前超越蒲福风级的强劲东风，正在深刻 改变全球经济格局。我们的责任，就是加速推动技术落地应用，让使用Stripe的企业能够即时受益。" 01 加码AI投资，赋能企业增长 Stripe在运用专业化AI模型方面拥有丰富经验，并针对防止欺诈、提升授权率以及为买家打造个性化结 账体验等不同任务进行了精细优化。 为助力用户实现更快增长，Stripe今日宣布推出全球首个专为支付打造的AI基础模型。这一支付基础模 型基于数百亿笔交易训练而成，能够识 ...

Core Insights - BigCommerce has partnered with Klarna to enhance checkout experiences for merchants globally, providing flexible payment options to boost conversion rates and revenue growth [1][2][3] Group 1: Partnership Overview - Klarna is now a global preferred payments partner for BigCommerce, allowing merchants to integrate its interest-free payment options easily [1][3] - The partnership aims to optimize checkouts and conversion rates by offering payment flexibility, making larger purchases more accessible to consumers [2][3] Group 2: Payment Options - Klarna provides various payment options, including Pay in Full, Pay in 4 (splitting purchases into four interest-free payments), and Fair Financing for larger purchases [2] - This flexibility is designed to meet the growing consumer demand for convenience in payment methods [3] Group 3: Merchant Benefits - BigCommerce emphasizes empowering merchants with tools and flexibility to grow their businesses [3] - Klarna's integration is maintained by BigCommerce's development team, ensuring ease of use and customization for merchants [3][4] Group 4: Market Impact - The partnership is expected to enhance the purchasing experience for customers, as noted by Jon Cleaver, CTO of SportsShoes.com, highlighting its positive impact on maintaining market leadership [4] - Klarna's extensive reach and trusted brand are seen as significant advantages for BigCommerce merchants [3] Group 5: Company Background - BigCommerce is a leading open SaaS and composable ecommerce platform, serving tens of thousands of B2C and B2B companies across 150 countries [5] - Klarna has over 93 million global active users and processes 2.9 million transactions daily, with more than 675,000 retailers utilizing its services [6]

[Click here for information about joining the class action] On March 17, 2025, the fintech company Klarna, in advance of its initial public offering in the U.S., announced that it was replacing Affirm as the exclusive provider of Buy Now, Pay Later ("BNPL") loans for Walmart. On this news, Affirm's stock price fell $6.38 per share, or 12.74%, over the following two trading sessions, to close at $43.70 per share on March 18, 2025. Pomerantz LLP, with offices in New York, Chicago, Los Angeles, London, Paris, ...

Group 1 - eBay has expanded its partnership with Klarna to offer buy now, pay later (BNPL) options to American consumers, allowing them to split eligible purchases into four interest-free payments or choose longer-term financing [1][2] - Klarna's BNPL services have already been available to eBay shoppers in several European countries, and the company has introduced a resale feature in its app that simplifies the process of listing previously purchased items on eBay [2][3] - Since December 2024, Klarna's resale feature has generated over 500,000 new eBay listings, including refurbished electronics and preowned fashion items [3] Group 2 - Klarna has a significant presence in brick-and-mortar retail, with a recent partnership with Clover enabling installment payments at over 100,000 stores [3] - eBay is also expanding its payment acceptance through a partnership with Checkout.com and has added Venmo as a checkout option for U.S. customers [4] - The consumer popularity of BNPL continues to grow, with 38% of American consumers using BNPL as of late 2024, and BNPL transactions in the U.S. valued at $175 billion [5][6]

Group 1 - Pomerantz LLP is investigating claims on behalf of investors of Affirm Holdings, Inc. regarding potential securities fraud or unlawful business practices by the company and its officers or directors [1] - On March 17, 2025, Klarna announced it would replace Affirm as the exclusive provider of Buy Now, Pay Later loans for Walmart, leading to a significant drop in Affirm's stock price by $6.38 per share, or 12.74%, closing at $43.70 per share on March 18, 2025 [3]

目睹现状，LP紧张起来——美国养老金和捐赠基金纷纷寻求卖掉资产，甚至表示"打折也 要卖"。 美股一幕。 作者 I 周佳丽 报道 I 投资界PEdaily 这一幕正在美股上演—— 自宣布最新关税政策后，美股市场迎来史诗级巨震，科技"七巨头"集体大跌，总市值已 蒸发超1. 8万亿美元（约超13万亿元人民币）。 风暴蔓延到私募股权行业。过去几天，包括黑石、KKR 和凯雷等超级PE的股价下跌了约 五分之一，一些价值百亿美元的IPO和并购交易也被搁置，流动性困境愈演愈烈。 美股大跌，"IPO停了" 关税重创全球资本市场，美股首当其冲。 短短三个交易日，纳斯达克综合指数经历了自新冠疫情爆发以来最糟糕情况，并进入熊 市。美国大型科技股也无一幸免，这轮跌势已导致"美股七巨头"的总市值消失大约2万亿 美元，可谓震撼。 如此景况，也给IPO市场前景蒙上了一层阴影。在关税政策和美股动荡的冲击下，今年美 国十大IPO交易中，有四家企业的股价目前已经跌破了发行价，这直接影响了投资者对 IPO的兴趣。 一些华尔街人士开始敦促企业调整估值，以增加成功交易的机会。"今年的IPO表现确实 有些不同寻常，但投资者的反馈是，他们将支持以合理估值上 ...

Core Points - The article discusses the significant impact of President Trump's new tariff policy, which imposes at least a 10% tariff on all imported goods starting April 5, and higher tariffs on countries deemed as serious trade violators [1] - The policy is viewed as a major shift in international trade order since World War II, raising concerns among family offices and investors about its implications for the market and economy [1][11] Impact on Family Offices - Family offices are increasingly reconsidering their investments in the U.S. due to concerns over economic growth and policy uncertainty stemming from the new tariffs [11][19] - There is a noticeable trend of high-net-worth family office clients diversifying their portfolios away from the U.S. to mitigate risks associated with the trade war [11][20] - Some family offices are exploring investments in hard assets like gold and real estate, while others are raising cash to wait for market stabilization [19][20] Market Reactions - The aggressive tariff strategy has led to a significant market downturn, with the U.S. stock market experiencing its worst week since March 2020 [1] - Notable private equity firms have halted IPOs and acquisitions due to the uncertainty created by the tariffs, indicating a paralysis in the private equity sector [3][4] - Hedge funds are facing increased pressure and are considering stepping back from trading due to the chaotic market conditions, with some funds suffering significant losses [6][8] Economic Forecasts - Goldman Sachs has downgraded its U.S. economic growth outlook and increased the probability of a recession to 45%, citing tightening financial conditions and rising policy uncertainty [8][10] - The potential for tariffs to raise effective rates by 20 percentage points could lead to further revisions in economic forecasts, including the likelihood of a recession [10] - UBS estimates that the new tariffs could slow global economic growth by 50 to 100 basis points, with the most significant impacts felt in Thailand and Singapore [10] Investment Trends - There is a shift among ultra-high-net-worth investors towards European and Asian markets, driven by concerns over U.S. economic policies and the search for better growth opportunities [11][19] - Family offices are increasingly looking for international investments not only for diversification but also as a hedge against currency fluctuations and to access unique investment opportunities [11][19] - The trend of reallocating investments away from the U.S. is becoming more pronounced, with family offices seeking to capitalize on emerging opportunities in other regions [19][20]

Core Viewpoint - The article discusses the increasing reliance on AI customer service and the challenges it presents, highlighting the tension between efficiency and the need for human empathy in customer interactions [5][12][34]. Group 1: AI Customer Service Adoption - AI customer service is being adopted widely across various industries, with many businesses transitioning from human to AI support to reduce costs and improve efficiency [7][12]. - The cost of AI customer service is significantly lower than traditional human customer service, with one AI service provider offering a monthly fee of 99 yuan compared to an average monthly cost of 3000 yuan for human agents [7][10]. - The Chinese intelligent customer service market reached 3.94 billion yuan in 2023 and is projected to grow to 9.07 billion yuan by 2027, indicating a rapid expansion in this sector [12]. Group 2: Limitations of AI Customer Service - Despite the cost benefits, AI customer service often fails to address complex or urgent customer needs, leading to frustration among users who find it difficult to reach human agents [23][24]. - A survey indicated that over 80% of human customer service agents are hard to reach, with many consumers unable to find a way to connect with them [26][27]. - Privacy concerns are also prevalent, as customer interactions with AI systems are stored on third-party servers, raising fears of data breaches and misuse [29]. Group 3: Human Element in Customer Service - The article emphasizes that while AI can handle simple queries, it lacks the ability to understand human emotions and complex needs, which can lead to dissatisfaction among customers [24][32]. - Human customer service representatives are better equipped to respond to emotional cues and provide personalized assistance, which is often lacking in AI interactions [31][34]. - The shift towards AI in customer service raises questions about the future of human roles in this field, with some companies already reducing their workforce significantly due to AI implementation [34][36].