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

Taavet Hinrikus

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

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" The fact that Skype was founded in Estonia, the fact that Skype had a successful exit, which meant that Estonia benefited in a major way, meant that entrepreneurship became legitimate. There were more than a thousand people who either worked or had worked at Skype who had seen what it takes to build a global business. "

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" The world is getting smaller thanks to technology. "

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" Talent is a complex subject: from the education our kids get in kindergarten and beyond to the re-skilling of some parts of the workforce; from the opportunities available for research to how we attract the best people to work in our companies. "

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" Scaling a business at speed can feel like an out of control roller-coaster. "

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

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

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" International money transfer is a massive consumer rip-off. Banks and companies like Western Union have gotten away with it for too long. "

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" I was pretty vocal about being anti-Brexit before the referendum vote. "

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" Securing and attracting the best talent is an obsession in the tech industry for good reason. It's your main asset; it's your edge. "

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" 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. "

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" There are lots of people building the next TransferWise, not in a sense of competing with us but in a sense of building large, successful companies that are doing something important. I just enjoy helping these founders navigate the journey. "

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" I think that if Britain does decide to leave the E.U., that would be a disaster for the technology sector here and probably also for the broader economy. "

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

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

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" We're living in a world where international governance is failing to overcome borders, but technology is succeeding in removing them. "

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

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" You start a business being hungry, foolish, and a little bit naive. But more often than not, you end up being disrupted yourself. It happened to Skype. "

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" There are so many instances in banking where 'free' simply doesn't mean free, whether it's opaque overdraft charges or credit card providers that are quietly raising interest rates without customers noticing. "

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" The financial crisis of 2008 created a seismic shift in the dynamics of trust in financial services. FinTech would have happened without the global financial crisis - but it would have taken much longer. "

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

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

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" 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. "

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" 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. "

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" 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. "

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" Maybe I think too highly of myself, but I think maybe sometimes I can give some good advice - sometimes bad advice, I'm sure - and I think that's a way of giving back. "

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" 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. "

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

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" The technology is not an end in itself: it is a tool. It can make it easier for us to communicate or manage our finances. It can help us take care of our health or help policemen in their work. It can create jobs and boost growth. It can enhance transparency and accessibility to services. "

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" When a new hire is afraid to roll up their sleeves and get things done, it's a clear sign it's not going to work out. "

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