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

Taavet Hinrikus

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" The world is becoming more global. More than ever, people are proactively deciding where to live, where to study, where to work. Sometimes it's out of necessity, sometimes it's out of choice. "

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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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" 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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" 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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" The attitude to failure is one of the characteristics that's often called out as the difference between the U.S. and Europe. And we do need to be less risk-averse, more embracing of failure. Having failed makes you look bad in Europe. But in the U.S., it makes you look experienced. "

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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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