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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. "

Related Quotes:

" 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. "

Taavet Hinrikus

Work

Growth

Health

" 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. "

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

" There's one thing a CEO should always keep at the front of their mind, and that's customer needs. "

" 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. "

" People bought bitcoin because they thought it would be worth more tomorrow. And a lot of people got lucky. But we're not seeing real people use bitcoin. And we don't know what problem it solves. Now, blockchain, I think, is a genius advancement in technology. "

" Talent is a complex subject: from the education our kids get in kindergarten and beyond to the re-skilling of some parts of the workforce; from the opportunities available for research to how we attract the best people to work in our companies. "

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

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

" A seed depends on a whole host of factors to grow - from the fertility of the soil to the right mix of rain and sun to not being eaten by a passing bird. The same goes for an idea. For an idea to really take hold, other factors come into play, from timing to the emerging technology that makes it possible. "

" With a smartphone, we have a supercomputer in our pocket and are always connected. The way we bank is changing as part of this macro trend. "

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

" 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. "

" 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. "

" 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. "

" 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. "

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

" No amount of PR works if you've got a bad product. "

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

" 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. "

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

Taavet Hinrikus

Costs

Choices

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

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

" If you think about the influence it has had, it's incredible. Think of all the relationships that have been saved because of Skype. "

" A preoccupation with job title is an immediate giveaway that someone's priorities are not in line with the company's. "

" 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. "