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 think there'd be huge losses if there weren't newspapers. I know everything's shifting to the Internet and some people would say, 'News is news, what you're talking about is a change of consumption, not the product that's out there.' But I think there is a change.

We're always doing a lot of user studies on health and safety. We take it super seriously. But if you look back at the history of most new big technology breakthroughs, there is some element of controversy around what impact is it going to have.

I'm sad, upset, and disheartened with the trolling that happens on social media... At the end of the day, this whole homophobia is so disheartening and upsetting. And then they say, 'Why don't you speak about your sexuality? You could be iconic in this country.' But I don't want to be iconic anywhere. I want to live my life.

I'll go out to eat and have a really good lunch and try to shut the phone off, but I can't, really, because the social media stuff will start happening.