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All Quotes by author - Taavet Hinrikus

" A preoccupation with job title is an immediate giveaway that someone's priorities are not in line with the company's. "

" As a consumer, I'm definitely waiting for what's going to come after banks. "

" As consumers in general, and with Millennials in particular, we're getting used to everything being cheaper, faster, better - and banks aren't keeping up. "

" A seed depends on a whole host of factors to grow - from the fertility of the soil to the right mix of rain and sun to not being eaten by a passing bird. The same goes for an idea. For an idea to really take hold, other factors come into play, from timing to the emerging technology that makes it possible. "

" As technology progresses, I believe that fintech will fundamentally change finance. "

" At TransferWise, we started out as - and continue as - idealists. We start with what we can do to make things better and how we can solve problems, focusing on what people need. It turns out you can focus on building the best service and be successful as business. "

" Banks are really bad when it comes to building consumer-centred products. "

" Being a 'global citizen' is not something reserved for the global elite anymore. Thanks to the democratising power of technology, it's not a trend determined by privilege or even age but by attitude. "

" 'Big' problems are overwhelming, but when we distil them down to their simplest forms, then the solutions become simple, too. "

" Bitcoin and the whole discussion around it shows how big a need there is for innovation about what money is and how it is stored. "

" Bitcoin, I think we can say, is dead. "

" Building a business is a marathon, not a sprint. I don't believe it when people tell me they've been working 80-hour weeks for five years in a row. I just don't think that's possible. "

" Celebrity-spotting is pretty standard at Davos. It's one of the things that makes it easy to criticise. "

" Changing behaviour is a very slow process. "

" Climate change, migration... they transcend national borders and require an international response. "

" Companies that are natively technology-focused I would trust more than a bank. "

" Competition and variety in financial services are always good things. "

" Costs should always be presented up front so that consumers can make informed choices and get a fairer deal. "

" Creating a new country from scratch has given Estonia the license to imagine what a country could be. "

" Doing something that empowers people makes you realise how boring it would be to work for a place where the goal is just to make more money. It's much easier to get out of bed and look forward to 12 hours of work if you're making the world a better place. "

" Financial services have always been about trust. Perhaps the biggest barrier to entry has been getting new customers to trust an unknown brand or service, and that's particularly true with digital disruptors who lack a physical presence on the local high street. "

" For Estonia, joining Europe meant our potential as a country increased - not decreased - because of that connectedness. "

" Hiring new people, opening up in new markets, all of that takes money. "

" Historically, people have flocked to Silicon Valley because of the belief that that's where the latest innovation is happening. It's a snowball effect. "

" I did an MBA because when I left Skype, I didn't have a clear idea of whether I wanted to create or join a company. But you don't need an MBA to become an entrepreneur. "

" If the hard Brexit happens, I would assume that London wouldn't be the centre of the tech world in Europe. "

" If the U.K. leaves the E.U., we'll have to consider whether it makes business sense to stay headquartered here. "

" If we think about how long Google spent searching - I think they came around in '98? And, OK, Gmail came in 2004, but it was literally built by one engineer as a 20%-time project. It was probably 10 years before Google started diversifying. "

" If you think about the influence it has had, it's incredible. Think of all the relationships that have been saved because of Skype. "

" I get a kick out of helping the next generation of founders. "

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