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

Taavet Hinrikus

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

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" Large incumbents become big and sometimes become lazy and set themselves up for failure in the future. "

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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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" 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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" For Estonia, joining Europe meant our potential as a country increased - not decreased - because of that connectedness. "

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" I spent my workdays at Skype creating a more connected world. We were shrinking the distances between people, making it easier to connect across countries. Then I'd go to my bank to transfer my euros to pounds, and it was like going back in time 50 years: expensive, inconvenient, and painfully slow. It was a nightmare. "

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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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" Hiring new people, opening up in new markets, all of that takes money. "

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

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" Without immigration, nations would stagnate. It is key for innovation and for economic growth. "

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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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" 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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" 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. "

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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. "

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" 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. "

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" The fact that Skype was founded in Estonia, the fact that Skype had a successful exit, which meant that Estonia benefited in a major way, meant that entrepreneurship became legitimate. There were more than a thousand people who either worked or had worked at Skype who had seen what it takes to build a global business. "

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

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

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

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" The world is getting smaller thanks to technology. "

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

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" If the U.K. leaves the E.U., we'll have to consider whether it makes business sense to stay headquartered here. "

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