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" Changing behaviour is a very slow process. "
Taavet Hinrikus
Behaviour
Process
Slow
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" There's most definitely a Davos bubble. You're in a small Alpine town that, for just four days in January, sees its population tripled with world leaders, CEOs, media, police, the army... and a whole bunch of people who aren't invited but just come to hang out. "
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Small
" 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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" The world is getting smaller thanks to technology. "
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" Banks are really bad when it comes to building consumer-centred products. "
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Banks
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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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" 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. "
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Long
" Sometimes, companies are better placed than politicians and governments to make change happen. That doesn't mean that they should not be held to account and follow international rules. But with the right motivation, they can be the force for change. "
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Rules
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Change
" While in two very different sectors, both Skype and TransferWise were born out of frustration. "
Taavet Hinrikus
Born
Two
Different
" In 2011, when we launched TransferWise, it was our frustration with banks not giving us what we wanted or needed as customers. The motivation was a strong desire to solve a problem and not just fix something that was broken but create a better alternative and a new system for doing things. "
Taavet Hinrikus
Broken
Strong
Frustration
" 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. "
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Better
Everything
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" I think that's the beauty of being a private company: you get to choose when you disclose something. You can play it in a strategic way or in a tactical way. "
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Choose
Beauty
" 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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World
People
Money
" 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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You
Start
End
" Climate change, migration... they transcend national borders and require an international response. "
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Change
Climate Change
Migration
" Talent is the lifeblood of a fast-growing company. "
Taavet Hinrikus
Company
Fast-Growing
Lifeblood
" 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. "
Taavet Hinrikus
Think
Disaster
Economy
" If the U.K. leaves the E.U., we'll have to consider whether it makes business sense to stay headquartered here. "
Taavet Hinrikus
Leaves
Stay
Here
" The growth of FinTech has been driven by adoption across age groups, but the demand from the millennial generation to innovate and think about financial services differently has been a catalyst for change. "
Taavet Hinrikus
Age
Financial
Growth
" 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. "
Taavet Hinrikus
Seed
Sun
Rain
" 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. "
Taavet Hinrikus
Business
Best
Service
" 'Big' problems are overwhelming, but when we distil them down to their simplest forms, then the solutions become simple, too. "
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Down
Too
Simple
" As technology progresses, I believe that fintech will fundamentally change finance. "
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Believe
Change
Finance
" Scaling a business at speed can feel like an out of control roller-coaster. "
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Control
Feel
Business
" I was in my early 20s when Estonia joined the E.U. For a kid who'd grown up in the Soviet Union, it seemed like my country had come of age. For a country that had been isolated and cut off from the rest of the world, it seemed like we were becoming part of the global community. It opened a whole new world of possibility. "
Taavet Hinrikus
Kid
Age
Rest
" There's always been a lot of interest in the tech community about how to foster innovation and creativity - both within a company but also in the ecosystem of a tech cluster. In both cases, creating opportunities for people who don't encounter each other normally to meet and talk is key. "
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Creativity
Community
Meet
" 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. "
Taavet Hinrikus
Credit Card
Credit
Without
" Competition and variety in financial services are always good things. "
Taavet Hinrikus
Always
Good Things
Good
" 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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Best
Talent
People
" 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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Attitude
Age
Thanks
" I get a kick out of helping the next generation of founders. "
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Kick
Generation
Helping