Qliro AB (QLIRO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.298 welcome to clero q3 presentation 2025. 00:00:04.298 -- 00:00:09.106 during the questions and answers session participants are able to ask questions by dialing 00:00:09.106 -- 00:00:14.534 pound key 5 on their telephone keypad now i will hand the conference over to ceo 00:00:14.534 -- 00:00:18.497 christopher rutgersen please go ahead 00:00:18.745 -- 00:00:22.691 Great. Welcome to today's Q3 presentation for CLIRO. 00:00:22.691 -- 00:00:26.818 I'm Christoffer Rutgersson, the CEO here since a bit more than three years. 00:00:26.818 -- 00:00:29.943 With me today, I also have our new CFO in the background. 00:00:29.943 -- 00:00:34.270 He has only been here for a few days, so I will run through the financials as well today. 00:00:34.270 -- 00:00:39.839 So the agenda for today, I will walk through some of our strategic highlights as usual, 00:00:39.839 -- 00:00:45.487 and we jump into the financial update, talk a bit about the outlook, and then end 00:00:45.487 -- 00:00:49.051 with some Q&A. So 00:00:49.051 -- 00:00:54.257 first of all, we still see a big opportunity to build a new European leader 00:00:54.257 -- 00:00:59.322 in composable payments, starting in the Nordics, where we want to achieve market leadership 00:00:59.322 -- 00:01:05.288 within the next few years. We're taking clear steps in that direction by accelerating 00:01:05.288 -- 00:01:10.687 our total payments volume growth to more than In Q2, 00:01:10.687 -- 00:01:16.637 we are up to 50% volume growth in Q3, up from 37% in Q2. 00:01:16.637 -- 00:01:21.826 We also see a change in trend and a turnaround 00:01:21.826 -- 00:01:26.855 in the BNPL share of checkout or share of the total volume, 00:01:26.855 -- 00:01:32.505 leading to a BNPL volume growth of around 20% or 90% 0...