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" Companies that are natively technology-focused I would trust more than a bank. "
Taavet Hinrikus
Would
Than
Trust
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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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" 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. "
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" Talent is the lifeblood of a fast-growing company. "
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" Climate change, migration... they transcend national borders and require an international response. "
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" Hiring new people, opening up in new markets, all of that takes money. "
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New
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" 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. "
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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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Union
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Consumer
" People bought bitcoin because they thought it would be worth more tomorrow. And a lot of people got lucky. But we're not seeing real people use bitcoin. And we don't know what problem it solves. Now, blockchain, I think, is a genius advancement in technology. "
Taavet Hinrikus
Technology
Tomorrow
People
" We built TransferWise focused on customer innovation. That means we build our product based first and foremost on our customers. "
Taavet Hinrikus
Product
Customer
Build
" Banks are really bad when it comes to building consumer-centred products. "
Taavet Hinrikus
Banks
Building
Products
" Changing behaviour is a very slow process. "
Taavet Hinrikus
Behaviour
Process
Slow
" No amount of PR works if you've got a bad product. "
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Product
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Works
" For Estonia, joining Europe meant our potential as a country increased - not decreased - because of that connectedness. "
Taavet Hinrikus
Our
Potential
Because
" 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
" Scaling a business at speed can feel like an out of control roller-coaster. "
Taavet Hinrikus
Control
Feel
Business
" I get a kick out of helping the next generation of founders. "
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Kick
Generation
Helping
" 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
" While in two very different sectors, both Skype and TransferWise were born out of frustration. "
Taavet Hinrikus
Born
Two
Different
" 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
" If the hard Brexit happens, I would assume that London wouldn't be the centre of the tech world in Europe. "
Taavet Hinrikus
World
Assume
Happens
" 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. "
Taavet Hinrikus
Rules
Better
Change
" I spent my workdays at Skype creating a more connected world. We were shrinking the distances between people, making it easier to connect across countries. Then I'd go to my bank to transfer my euros to pounds, and it was like going back in time 50 years: expensive, inconvenient, and painfully slow. It was a nightmare. "
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Bank
People
Slow
" Costs should always be presented up front so that consumers can make informed choices and get a fairer deal. "
Taavet Hinrikus
Up
Costs
Choices
" People need the financial sector to be safe; people also need the financial sector to go through a massive phase of innovation. That means delivering on the positive rhetoric, like around settlement accounts, not allowing Open Banking to be diluted, and leading the way on AML. "
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People
Positive
Innovation
" When we talk about technology changing the world, we often hear about how it makes our lives easier, more connected, safer, or even healthier. They're all things we can easily identify with. The Internet makes our lives easier; services like Skype and WhatsApp allows us to be more connected - the examples are endless. "
Taavet Hinrikus
Internet
Technology
World
" As technology progresses, I believe that fintech will fundamentally change finance. "
Taavet Hinrikus
Believe
Change
Finance
" 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
" Large incumbents become big and sometimes become lazy and set themselves up for failure in the future. "
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Become
Future
Failure
" 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. "
Taavet Hinrikus
You
Start
End
" 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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Things
New
Done