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

Taavet Hinrikus

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" I was pretty vocal about being anti-Brexit before the referendum vote. "

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

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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. "

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

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

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" There's the risk of a serious case of FOMO at a place like Davos. "

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

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

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