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" Competition and variety in financial services are always good things. "
" Talent is the lifeblood of a fast-growing company. "
" Costs should always be presented up front so that consumers can make informed choices and get a fairer deal. "
" 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. "
" 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. "
" International money transfer is a massive consumer rip-off. Banks and companies like Western Union have gotten away with it for too long. "
" The U.S.A. is a huge market which has a large immigrant population from Europe, India, from all around the world; lots of them have, still, strong ties to home, so move lots of money. "
" 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. "
" 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. "
" Large incumbents become big and sometimes become lazy and set themselves up for failure in the future. "
" Scaling a business at speed can feel like an out of control roller-coaster. "
" 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. "
" Most of my time at Skype was spent doing new things. "
" We believe that the future of money is digital. "
" Companies that are natively technology-focused I would trust more than a bank. "
" 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. "
" 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. "
" 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. "
" To be a global business, you need access to the best talent from around the world - fix this, everything else falls into place. Whether it's homegrown or imported, we don't mind where it comes from - we just want the best. "
" 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. "
" As technology progresses, I believe that fintech will fundamentally change finance. "
" For Estonia, joining Europe meant our potential as a country increased - not decreased - because of that connectedness. "
" Bitcoin, I think we can say, is dead. "
" 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. "
" 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. "
" We're living in a world where international governance is failing to overcome borders, but technology is succeeding in removing them. "
" 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. "
" If the U.K. leaves the E.U., we'll have to consider whether it makes business sense to stay headquartered here. "
" Without immigration, nations would stagnate. It is key for innovation and for economic growth. "
" I get a kick out of helping the next generation of founders. "