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.

We built TransferWise focused on customer innovation. That means we build our product based first and foremost on our customers.

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.

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.

I'm not anti-progress, obviously, but I just think progress needs to be a broader thing than just the technology we can create; it's also how we handle it and our level of awareness.

In technology, most things fail. Most companies fail.

It seems to me so much technology could be applied to entertainment. Augmented reality, and even just the iPad - touch-screen technology, it was, you know, it still is extremely underused by entertainment.

Recognizing that female participation in technology is lower than it should be, we are committed to bolstering female tech talent, eliminating obstacles and challenges they face, and fostering diversity.