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.

Now look: I love Twitter. But let's not kid ourselves; when it comes to a free and open Internet, Twitter is a part of the problem. The company has a viewpoint and uses that viewpoint to discriminate.

The Internet can help you come out of your shell and gives you a chance to make friends who have the same passion as you, it's a real community.

What happened in the past can help you know what's going to happen in the future. That insight brings a next level of intelligence not just to sales and marketing but to ERP, where you can save more money in procurement or figure out whether the people you recruit are going to be successful in your organization.

Everybody's out to get something from somebody. 'Gold diggers' doesn't just mean money, it can mean time, it can mean feelings. It can mean anything when you're taking and not giving. When people don't know how to reciprocate.