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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. "

Taavet Hinrikus

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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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" 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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" 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. "

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

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" Talent is the lifeblood of a fast-growing company. "

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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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" 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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" We built TransferWise focused on customer innovation. That means we build our product based first and foremost on our customers. "

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" Competition and variety in financial services are always good things. "

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

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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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" 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. "

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

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" Doing something that empowers people makes you realise how boring it would be to work for a place where the goal is just to make more money. It's much easier to get out of bed and look forward to 12 hours of work if you're making the world a better place. "

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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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" 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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" Companies that are natively technology-focused I would trust more than a bank. "

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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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" 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. "

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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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" 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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" Maybe I think too highly of myself, but I think maybe sometimes I can give some good advice - sometimes bad advice, I'm sure - and I think that's a way of giving back. "

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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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" Changing behaviour is a very slow process. "

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" 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. "

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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 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. "

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" Climate change, migration... they transcend national borders and require an international response. "

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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. "

Taavet Hinrikus