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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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" There are so many instances in banking where 'free' simply doesn't mean free, whether it's opaque overdraft charges or credit card providers that are quietly raising interest rates without customers noticing. "

Taavet Hinrikus

Credit Card

Credit

Without

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

" 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. "

" 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. "

" International money transfer is a massive consumer rip-off. Banks and companies like Western Union have gotten away with it for too long. "

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

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

" 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. "

" 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. "

" 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. "

" 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. "

" Most banks tell their customers that they only pay a small upfront fee for international payments. But in reality, customers pay much more. "

Taavet Hinrikus

Pay

Only

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

" 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. "

" We're living in a world where international governance is failing to overcome borders, but technology is succeeding in removing them. "

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

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

" Changing behaviour is a very slow process. "

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

" When a new hire is afraid to roll up their sleeves and get things done, it's a clear sign it's not going to work out. "

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

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

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

Taavet Hinrikus

Costs

Choices

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

" 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. "

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

" 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. "

" 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. "

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

" Celebrity-spotting is pretty standard at Davos. It's one of the things that makes it easy to criticise. "