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.

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

International money transfer is a massive consumer rip-off. Banks and companies like Western Union have gotten away with it for too long.

Taavet Hinrikus Quotes