Klarna Group (:) FY Conference November 19, 2025 08:15 AM ET Company ParticipantsNiclas Neglen - CFOBryan Keene - Head of U.S. Research Fintech PracticeBryan KeeneBuddy, thanks for coming. Day two of the Citi FinTech Conference. My name is Bryan Keene. I head up the U.S. research fintech practice here at Citi. We're excited to have a full day today of a bunch of executives and experts. We're going to kick it off first with Klarna, CFO Niclas Neglen, who is virtually buzzing in here through Zoom. Niclas Negl ...