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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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" 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

" 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. "

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

" 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. "

" Companies that are natively technology-focused I would trust more than a bank. "

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

" 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. "

" 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. "

" 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. "

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

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

" 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. "

" 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. "

" As a consumer, I'm definitely waiting for what's going to come after banks. "

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

" 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. "

" 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. "

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

" 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. "

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

" 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. "

" 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. "

" 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. "

" 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. "

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

" 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. "

" 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. "

" 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. "

" 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. "

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