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" The banks never sent me one chequebook. I'm very happy not to have ever touched one. "
Taavet Hinrikus
Never
Touched
Happy
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" Celebrity-spotting is pretty standard at Davos. It's one of the things that makes it easy to criticise. "
Taavet Hinrikus
Makes
Things
Standard
" While in two very different sectors, both Skype and TransferWise were born out of frustration. "
Taavet Hinrikus
Born
Two
Different
" We built TransferWise focused on customer innovation. That means we build our product based first and foremost on our customers. "
Taavet Hinrikus
Product
Customer
Build
" Changing behaviour is a very slow process. "
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Behaviour
Process
Slow
" Without immigration, nations would stagnate. It is key for innovation and for economic growth. "
Taavet Hinrikus
Growth
Innovation
Key
" 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. "
Taavet Hinrikus
Internet
Technology
World
" 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. "
Taavet Hinrikus
Business
Best
Service
" 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
Think
You
Relationships
" Building a business is a marathon, not a sprint. I don't believe it when people tell me they've been working 80-hour weeks for five years in a row. I just don't think that's possible. "
Taavet Hinrikus
Marathon
Me
People
" If the U.K. leaves the E.U., we'll have to consider whether it makes business sense to stay headquartered here. "
Taavet Hinrikus
Leaves
Stay
Here
" 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. "
Taavet Hinrikus
Think
Choose
Beauty
" 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. "
Taavet Hinrikus
Building
People
Journey
" Talent is the lifeblood of a fast-growing company. "
Taavet Hinrikus
Company
Fast-Growing
Lifeblood
" 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. "
Taavet Hinrikus
Best
Talent
People
" Being a 'global citizen' is not something reserved for the global elite anymore. Thanks to the democratising power of technology, it's not a trend determined by privilege or even age but by attitude. "
Taavet Hinrikus
Attitude
Age
Thanks
" 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. "
Taavet Hinrikus
Things
New
Done
" For Estonia, joining Europe meant our potential as a country increased - not decreased - because of that connectedness. "
Taavet Hinrikus
Our
Potential
Because
" The world is getting smaller thanks to technology. "
Taavet Hinrikus
Thanks
Getting
Technology
" There's the risk of a serious case of FOMO at a place like Davos. "
Taavet Hinrikus
Risk
Serious
Case
" A preoccupation with job title is an immediate giveaway that someone's priorities are not in line with the company's. "
Taavet Hinrikus
Line
Someone
Priorities
" 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. "
Taavet Hinrikus
Better
Everything
Used
" 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. "
Taavet Hinrikus
Talent
Best
Edge
" Scaling a business at speed can feel like an out of control roller-coaster. "
Taavet Hinrikus
Control
Feel
Business
" 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. "
Taavet Hinrikus
Successful
Way
Business
" As technology progresses, I believe that fintech will fundamentally change finance. "
Taavet Hinrikus
Believe
Change
Finance
" 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. "
Taavet Hinrikus
Street
Service
Trust
" 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. "
Taavet Hinrikus
Broken
Strong
Frustration
" 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. "
Taavet Hinrikus
Rules
Better
Change
" I was pretty vocal about being anti-Brexit before the referendum vote. "
Taavet Hinrikus
Before
Being
Pretty
" 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. "
Taavet Hinrikus
People
Positive
Innovation