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

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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" 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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" 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 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. "

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" 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. "

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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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" 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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" The banks never sent me one chequebook. I'm very happy not to have ever touched one. "

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" 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. "

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" We believe that the future of money is digital. "

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

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

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" 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. "

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" If the hard Brexit happens, I would assume that London wouldn't be the centre of the tech world in Europe. "

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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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" 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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" While in two very different sectors, both Skype and TransferWise were born out of frustration. "

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

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

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" Bitcoin, I think we can say, is dead. "

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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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" 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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" Financial services have always been about trust. Perhaps the biggest barrier to entry has been getting new customers to trust an unknown brand or service, and that's particularly true with digital disruptors who lack a physical presence on the local high street. "

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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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" Changing behaviour is a very slow process. "

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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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" As technology progresses, I believe that fintech will fundamentally change finance. "

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" Most of my time at Skype was spent doing new things. "

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