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" 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
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" 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. "
Taavet Hinrikus
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" There's the risk of a serious case of FOMO at a place like Davos. "
Taavet Hinrikus
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" Hiring new people, opening up in new markets, all of that takes money. "
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" Celebrity-spotting is pretty standard at Davos. It's one of the things that makes it easy to criticise. "
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" Competition and variety in financial services are always good things. "
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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. "
Taavet Hinrikus
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" No amount of PR works if you've got a bad product. "
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" We believe that the future of money is digital. "
Taavet Hinrikus
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" I was pretty vocal about being anti-Brexit before the referendum vote. "
Taavet Hinrikus
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" We built TransferWise focused on customer innovation. That means we build our product based first and foremost on our customers. "
Taavet Hinrikus
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Customer
Build
" 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
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" Building a business is a marathon, not a sprint. I don't believe it when people tell me they've been working 80-hour weeks for five years in a row. I just don't think that's possible. "
Taavet Hinrikus
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" If you think about the influence it has had, it's incredible. Think of all the relationships that have been saved because of Skype. "
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" As a consumer, I'm definitely waiting for what's going to come after banks. "
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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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" There's one thing a CEO should always keep at the front of their mind, and that's customer needs. "
Taavet Hinrikus
Front
Always
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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. "
Taavet Hinrikus
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" The banks never sent me one chequebook. I'm very happy not to have ever touched one. "
Taavet Hinrikus
Never
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" Traditional consumer finance has been unfair for decades. Banks have had a monopoly on financial services and have been able to overcharge and underserve consumers. "
Taavet Hinrikus
Finance
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Monopoly
" Bitcoin, I think we can say, is dead. "
Taavet Hinrikus
Think
Say
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" Creating a new country from scratch has given Estonia the license to imagine what a country could be. "
Taavet Hinrikus
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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. "
Taavet Hinrikus
Internet
Technology
World
" 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
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Service
" 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. "
Taavet Hinrikus
Choice
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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. "
Taavet Hinrikus
Police
World
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" Scaling a business at speed can feel like an out of control roller-coaster. "
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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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" Companies that are natively technology-focused I would trust more than a bank. "
Taavet Hinrikus
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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. "
Taavet Hinrikus
Union
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" Changing behaviour is a very slow process. "
Taavet Hinrikus
Behaviour
Process
Slow