Taavet Hinrikus

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

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

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

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.

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

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.

You start a business being hungry, foolish, and a little bit naive. But more often than not, you end up being disrupted yourself. It happened to Skype.

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

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.

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

With a smartphone, we have a supercomputer in our pocket and are always connected. The way we bank is changing as part of this macro trend.

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