Without immigration, nations would stagnate. It is key for innovation and for economic growth.
We're living in a world where international governance is failing to overcome borders, but technology is succeeding in removing them.
When a new hire is afraid to roll up their sleeves and get things done, it's a clear sign it's not going to work out.
A preoccupation with job title is an immediate giveaway that someone's priorities are not in line with the company's.
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.
The growth of FinTech has been driven by adoption across age groups, but the demand from the millennial generation to innovate and think about financial services differently has been a catalyst for change.
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.
Celebrity-spotting is pretty standard at Davos. It's one of the things that makes it easy to criticise.
There's most definitely a Davos bubble. You're in a small Alpine town that, for just four days in January, sees its population tripled with world leaders, CEOs, media, police, the army... and a whole bunch of people who aren't invited but just come to hang out.
There's the risk of a serious case of FOMO at a place like Davos.
Traditional consumer finance has been unfair for decades. Banks have had a monopoly on financial services and have been able to overcharge and underserve consumers.
When we talk about technology changing the world, we often hear about how it makes our lives easier, more connected, safer, or even healthier. They're all things we can easily identify with. The Internet makes our lives easier; services like Skype and WhatsApp allows us to be more connected - the examples are endless.
We built TransferWise focused on customer innovation. That means we build our product based first and foremost on our customers.
Bitcoin, I think we can say, is dead.
Large incumbents become big and sometimes become lazy and set themselves up for failure in the future.
Companies that are natively technology-focused I would trust more than a bank.
As a consumer, I'm definitely waiting for what's going to come after banks.
I did an MBA because when I left Skype, I didn't have a clear idea of whether I wanted to create or join a company. But you don't need an MBA to become an entrepreneur.
No amount of PR works if you've got a bad product.
Doing something that empowers people makes you realise how boring it would be to work for a place where the goal is just to make more money. It's much easier to get out of bed and look forward to 12 hours of work if you're making the world a better place.
