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In this bonus episode of Invest in Progress, hear from the company revolutionising global money movement.With international payments a profitable afterthought for the banks, it's been left to a newcomer to build the best way of moving money around the world. Meet Wise.Wise's chief executive and co-founder, Kristo Käärmann, and Scottish Mortgage deputy manager Lawrence Burns, discuss the fintech's remarkable rise, which offers low-cost, faster cross-border transactions for millions.Check the podcast description to ensure this content is suitable for you. Your capital is at risk. Credits:Presenter: Claire ShawProduction manager: Niamh KiddProduction team: Baillie Gifford Hosted on Acast. See acast.com/privacy for more information.
Matt Briers has been the CFO of Wise since 2015. In 2021, Matt led the company to a direct listing on the London Stock Exchange, the first major direct listing in Europe. Wise, founded in the UK in 2011 by Kristo Käärmann and Taavet Hinrikus, has revolutionized cross-border payments for individuals and businesses by making them easier, faster and cheaper. After 10 years as a private company, Wise followed in the footsteps of Spotify and Slack by doing a direct listing instead of a regular IPO, at a valuation of 11 billion dollars. With Matt, we discuss the rationale and timing to go public for a profitable tech company which doesn't need to raise money, his experience of the direct listing process, and the considerations around a UK listing rather than US. If you have feedback, or there are any topics you would like us to cover on the show, please reach out at contact@ipostories.com Disclaimer: this discussion is not financial advice, nor an investment recommendation, nor a solicitation to buy or sell any financial instruments, or an offer for financial services or any other transaction. The information contained in the recording have no contractual value and are destined for an informational purpose only. Amundsen Investment Management and the participants on this podcast may have holdings in the companies being discussed.
This episode was the most popular one of 2023 - it first aired Apr 18, 2023. Enjoy and have a happy new year! Miguel Armaza sits down with Nilan Peiris, Chief Product Officer at Wise (WISE.L), a global fintech that helps clients move money around the world. Founded in 2011 by Kristo Käärmann and Taavet Hinrikus, Wise went public on the London Stock Exchange in 2021 and has a current market cap of £6 billion, has served 16 million people and businesses, and processes £9 billion in monthly cross-border transactions across 170 countries in 50 currencies.We discuss:Building through a mission-driven approach and why it's crucial for companies to have very clear missionsHow Wise turned a consumer product into a B2B offering and an infrastructure business, essentially building three companies inside a single firm.Building customer trust through transparency and how this can lead to high customer satisfaction and strong referralsTurning regulatory challenges into opportunities… and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary, instead? Check out the Fintech Leaders newsletter and join 60,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp
O country manager da Wise no Brasil, Yves Berbert, disse em entrevista ao Poder360 que o principal objetivo da empresa no país atualmente é começar a trabalhar com pessoas jurídicas. Apesar de já ter esse tipo de cliente nos EUA e na Europa, no Brasil, a companhia só atende pessoas físicas.A Wise é uma empresa de tecnologia financeira com sede em Londres (Reino Unido). Foi fundada em 2011 pelos empresários estonianos Kristo Käärmann e Taavet Hinrikus. A companhia funciona como uma plataforma financeira digital. O usuário envia dinheiro em real do seu banco no Brasil para o aplicativo da Wise e pode converter esse valor para diversas outras moedas, como dólar, euro e libra.
Miguel Armaza sits down with Nilan Peiris, Chief Product Officer at Wise (WISE.L), a global fintech that helps clients move money around the world. Founded in 2011 by Kristo Käärmann and Taavet Hinrikus, Wise went public on the London Stock Exchange in 2021 and has a current market cap of £6 billion, has served 16 million people and businesses, and processes £9 billion in monthly cross-border transactions across 170 countries in 50 currencies.We discuss:Building through a mission-driven approach and why it's crucial for companies to have very clear missionsHow Wise turned a consumer product into a B2B offering and an infrastructure business, essentially building three companies inside a single firm.Building customer trust through transparency and how this can lead to high customer satisfaction and strong referralsTurning regulatory challenges into opportunities… and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary, instead? Check out the Fintech Leaders newsletter and join 53,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIpqp
Kui teised samal ajal koondavad, siis Wise'il pole see viimase aasta jooksul olnud kordagi mõtteski. Seda põhjusel, et seni on tegutsetud tasa ja targu, märkis Wise'i kaasasutaja ja juht Kristo Käärmann taskuhäälingus „Tark investor”. Saates tuli pikemalt juttu Wise'i ärist, kas firmast on saanud nüüdseks küpse ja natukene igav ettevõte, kaua on veel jaksu kiirelt kasvada ning miks pole neil tekkinud tungi teisi ettevõtteid odavamalt üle osta. Intervjuu lõpus avaldas Eesti üks rikkamaid mehi, mille alusel ta valimistel oma hääle andis.
Since its founding over a decade ago, Wise has expanded to become a global transaction platform moving £9 billion monthly. Its CEO and cofounder Kristo Käärmann takes the hot seat to discuss how the company has grown and the future of Wise, especially in Asia.
Aleksandr Ivaskevitši ja Kristo Käo album „Unustusse vajunud päev“ ilmus eelmise aasta lõpul ERP plaadimärgi all.
Megjelent a Portfolio Checklist, lapunk munkanapokon jelentkező podcastjének hétfői adása. A mai műsor első részében arról volt szó, hogy júliusban fordulat állt be a hazai költségvetésben, ugyanis 255,7 milliárd forintos többletet ért el az államháztartás központi alrendszere. Ilyen mértékű szufficitre az év hetedik hónapjában korábban még sohasem volt példa, így ez alapvetően lehetne pozitív hír is, de ha közelebbről vizsgáljuk a folyamatokat, akkor már a büdzsé szempontjából sem egyértelmű a kép, ráadásul a helyzet a szegényebb társadalmi rétegek további leszakadásával fenyeget. A témával kapcsolatban Csiky Gergely, a Portfolio lapigazgatója volt a Checklist vendége. Műsorunk második részében azzal foglalkoztunk, hogy megszólalt a Portfolio-n Kristo Käärmann, az alapvetően nemzetközi utalásokra szakosodott fintech, a Wise (korábban Transferwise) alapító-vezérigazgatója. Az adásban arról is kérdeztük Turzó Ádámot, lapunk Pénzügy rovatának elemzőjét, hogy miért emelt nemrég díjakat a vállalat, mely alapvetően pont a drága banki szolgáltatások ellenében pozícionálja magát. Természetesen fintech-ekről is szó lesz a Portfolio Banking Technology 2022 konferencián október 6-án, Budapesten. További információ és jegyek ide kattintva érhetők el.See omnystudio.com/listener for privacy information.
Taavet Hinrikus on üks Eesti edukamaid ettevõtjaid, kes alustas oma karjääri programmeerijana digimeedia agentuuris Halo Interactive. Hiljem sai Taavetist Skype'i esimene töötaja, seejärel asutas koos Kristo Käärmanniga Transferwise'i, mis nüüd on tuntud Wise'i nime all. Aastate jooksul on Taavetist saanud üks aktiivsemaid tehnoloogiainvestoreid Euroopas, kes investeerib koos Sten Tamkiviga ning 2022. aasta suvel tulid nad välja uudse investeerimisplatvormiga Plural. Lisaks on Taavet nii tervishoiu startup'i Certific kui Jõhvi tehnoloogiakooli ehk Kood / Jõhvi kaasasutaja. Selles saates räägime Ehedamatest lapsepõlvemälestustest ning uudishimust maailma vastu kogu lapseaja Kuidas tekkis huvi tehnoloogia ja programmeerimise vastu? Õpingutest Ameerikas keskkooli ajal Esimesest tööintervjuust Sten Tamkiviga ja kuidas ta mõnikord Steni allkirjaga puudumistõendeid kooli viis Õpingute alustamisest TTÜ-s Esimestest töökohtadest Skype'i skaleerimiseni Skype'ist lahkumisest, Londonisse kolimisest ja magistriõpingutest Singapuris Transferwise'i asutamisest ja algusest Milline on Taavet investorina? Liitu uudiskirjaga www.globaalsedeestlased.org, et uus saade jõuaks iga nädal sinu postkasti!
In the first episode of our new strand - Business Daily Meets - we hear from Estonia's first billionaire, Kristo Käärmann. In this in-depth interview the TransferWise (now Wise) co-founder and CEO explains how a €500 loss led to the creation of a multi-billion dollar business. He tells us about creating something from nothing, keeping his ego in check, and insists saving customers $1 billion a year is only the start of the journey. Presenter: Rahul Tandon Producer: Sam Clack Image: Kristo Käärmann; Credit: Jake Farra/Wise
Peeter Printsi (s 1961) loomingut esitavad 15 eesti kitarristi. Albumit kommenteerib väljaandja Kristo Käo.
Stuudios on külas albumi väljaandja Kristo Käo, et rääkida Peeter Printsi kitarriloomingust ja plaadist.
In 2007, Kristo and his friend Taavet were two Estonian friends living and working in London. They quickly realized how expensive it was to exchange money between Pounds and Estonian Euros. Their hack to this problem ended up becoming the foundation for their startup, Wise, which they founded in 2011. Today, Wise allows people to hold 56 currencies, move money between countries, and spend money abroad. Not only is Wise one of the world's fastest-growing tech companies, it was recently listed on the London Stock Exchange in a direct listing that valued the company at $11 billion. Kristo shares why demand for Wise is still growing at a rapid clip, why he's personally eager to get back to the office, and why saying thank you is critical.
Kui Eestis üldse on võimalik välja tuua käesoleva nädala tegijat, siis on need kahtlemata idufirma Wise asutajad, sest Wise läks börsile ja osutus vägagi väärtuslikuks kaubaks. Restardis on külas Wise'i tegevjuht ning kaasasutaja Kristo Käärmann, kellega räägime, kuidas kasvada nullist miljarditeni ja mida Wise'i teekonnast õppida on. Saatejuhid on Henrik Roonemaa ja Taavi Kotka. Restarti toetab Katana: tootjate parim abiline.
Kui Eestis üldse on võimalik välja tuua käesoleva nädala tegijat, siis on need kahtlemata idufirma Wise asutajad, sest Wise läks börsile ja osutus vägagi väärtuslikuks kaubaks. Restardis on külas Wise’i tegevjuht ning kaasasutaja Kristo Käärmann, kellega räägime, kuidas kasvada nullist miljarditeni ja mida Wise’i teekonnast õppida on. Saatejuhid on Henrik Roonemaa ja Taavi Kotka.
Kui Eestis üldse on võimalik välja tuua käesoleva nädala tegijat, siis on need kahtlemata idufirma Wise asutajad, sest Wise läks börsile ja osutus vägagi väärtuslikuks kaubaks. Restardis on külas Wise’i tegevjuht ning kaasasutaja Kristo Käärmann, kellega räägime, kuidas kasvada nullist miljarditeni ja mida Wise’i teekonnast õppida on. Saatejuhid on Henrik Roonemaa ja Taavi Kotka.
Kui Eestis üldse on võimalik välja tuua käesoleva nädala tegijat, siis on need kahtlemata idufirma Wise asutajad, sest Wise läks börsile ja osutus vägagi väärtuslikuks kaubaks. Restardis on külas Wise'i tegevjuht ning kaasasutaja Kristo Käärmann, kellega räägime, kuidas kasvada nullist miljarditeni ja mida Wise'i teekonnast õppida on. Saatejuhid on Henrik Roonemaa ja Taavi Kotka.
Die Konkurrenz auf dem Fintech-Markt ist groß. Der Gründer des europäischen Unicorns Transferwise verrät sein Erfolgsgeheimnis. 00:05:35 Transferwise ist nach Klarna und Revolut das erfolgreichste Fintech in Europa. Investoren bewerten das Startup mit über fünf Milliarden Dollar. Ihren Sitz hat die Firma von Gründer Kristo Käärmann in London. Obwohl der Brexit die Geschäfte erschwert, ist Käärmann sicher: Europa ist der perfekte Ort, um ein Fintech auf den Markt zu bringen. Im Interview erklärt er die Gründe dafür, gibt Einblicke in sein erfolgreiches Businessmodell und verrät seine Pläne für neue Produkte. 00:17:03 Außerdem: "Mr. Vice-President, I'm speaking." Das TV-Duell zwischen Kamala Harris und Mike Pence, den beiden Anwärtern auf den Posten des US-amerikanischen Vizepräsidenten, lief friedlicher ab als die Debatte zwischen Donald Trump und Joe Biden. Spannungen waren dennoch deutlich zu spüren. US-Korrespondentin Annett Meiritz verrät, wer den Schlagabtausch gewonnen hat und warum plötzlich ganz Amerika so gespannt auf die potentiellen Vertreter des Präsidenten schaut. Wenn Sie Anmerkungen, Fragen, Kritik oder Lob zu dieser Folge haben, schreiben Sie uns gerne per Email an today@handelsblattgroup.com. *** Weitere Informationen zu unserem Sponsor finden Sie hier: https://www.hypovereinsbank.de/hvb/private-banking/vermoegen-anlegen/anders-investieren/esg-kriterien
Es war eine simple Idee: Internationale Überweisungen billiger und einfacher machen. Auf dieser Idee basiert das Geschäft des Londoner Start-ups Transferwise, das mit einer Bewertung von fünf Milliarden Dollar zu den wertvollsten Fintechs Europas gehört. Im Podcast Handelsblatt Disrupt spricht Kristo Käärmann darüber, wie die Idee für das Unternehmen entstanden ist, welche neuen Produkte das Unternehmen entwickelt, wo die Stärken europäischer Start-ups liegen - und warum sich traditionelle Banken mit Innovationen so schwer tun. Im Anschluss daran ein kurzes Gespräch mit dem Digital-Experten und Herausgeber des China Briefs Björn Ognibeni, der sich intensiv mit der Frage beschäftigt, was europäische Firmen in Sachen digitaler Transformation von Unternehmen in China lernen können. — Haben Sie Fragen, Kritik oder Anregungen? Dann treten Sie unserer Handelsblatt Disrupt LinkedIn-Gruppe bei und schreiben Sie uns unter: https://www.linkedin.com/groups/8836249/. Sie können Sebastian Matthes auch bei Twitter (@smatthes) oder per Mail (matthes@handelsblatt.com) kontaktieren.
Kristo Käärmann is the co-founder and CEO of TransferWise, a peer-to-peer international money transfer business. Kristo Käärmann cofounded TransferWise in London in 2011 with fellow Estonian Taavet Hinrikus, the first employee at Skype. Since then, the business has amassed over 8 million customers and moves more than US$5 billion every month. TransferWise has 2,200 employees in 14 global offices and is valued at US$3.5 billion.In this conversation, Ian and Kristo discuss:• The origin story of TransferWise• Kristo's experiences raising capital• The highlights and challenges Kristo has encountered scaling the company• Impact of the pandemic on TransferWise
Transferring money globally has long been dominated by banks, and services like Western Union. The problem with these traditional systems is that customers gets ripped off by poor exchange rates and huge fees. However today’s founder built a unicorn trying to change that. Kristo Käärmann is the CEO and Co-Founder of Transferwise, a global business with 2200 staff that makes sending money easy.Find us on social: linktr.ee/buildingaunicornVisit our presenting sponsor: lawpath.com.au.
Kristo Käärmann is the co-founder and CEO of TransferWise, a payments company fighting to break banks’ usurious grip on FX and international transfers. TransferWise is one of Europe’s greatest fintech success stories, most recently valued at $3.5 billion in a secondary offering earlier this year. The company has nearly 2,000 employees around the world, moves $5.5 billion a month between nearly 100 countries and saves customers over $1 billion a year in fees. In this conversation, Kristo and I discuss the evolution of international payments, how TransferWise helps banks as much as challenges them and how competition will shape the digital banking space. For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com. Thank you very much for joining us today. Please welcome, Kristo Käärmann.
Kristo Käärmann is the co-founder and CEO of TransferWise which is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges. The company has raised so far $689 million with a $3.5 billion valuation. Investors include SV Angel, Index Ventures, Andreessen Horowitz, Kima Ventures, IVP, Sapphire Ventures, IA Ventures, Valar Ventures, or Mosaic Ventures to name a few. Other individual investors include Richard Branson or Max Levchin.
Kristo Käärmann is the co-founder and CEO of TransferWise which is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges. The company has raised so far $689 million with a $3.5 billion valuation. Investors include SV Angel, Index Ventures, Andreessen Horowitz, Kima Ventures, IVP, Sapphire Ventures, IA Ventures, Valar Ventures, or Mosaic Ventures to name a few. Other individual investors include Richard Branson or Max Levchin.
Restardis on külas Tartu Ülikooli professor, paljude tuntud Eesti IT-inimeste õpetajaks olnud Jaak Vilo, kellega räägime sellest, mida peab tegema selleks, et Tartus maailmatasemel IT-haridust anda ja kuidas teha nii, et ka tulevikus Kristo Käärmannid ja Jevgeni Kabanovid nende uste vahelt välja astuks. Saatejuht Henrik Roonemaa uudisteportaalist Geenius.ee.
Täna õhtul annavad Niguliste kirikus kontserdi Risto Joost, Villu Vihermäe, Kristo Käe ja Ene Salumäe.
There’s no better way to kick-off 2019 than with an exclusive, behind-the-scenes look at the story of portfolio company and fintech unicorn, TransferWise, as told by Co-founder and CEO, Kristo Käärmann. As part of the first ever Seedcamp podcast recorded in a sauna, Kristo tells us the story of how two Estonian friends went from exchanging money over a Skype chat to sending more than €3 billion across the world every month. Now valued at more than $1.5 billion, TransferWise has received backing from leading venture capitalists like Index Ventures, Valar Ventures, IA Ventures, Andreessen Horowitz, IVP, Baillie Gifford, and Sir Richard Branson, among others. Tune in for a unique insight into one of the flagship companies in the fintech ecosystem and hear first hand from Kristo as he shares some of the challenges faced along the way in building a global giant in the currency exchange category. And if you want to be a part of TransferWise's mission to create money without borders, there are more than 130 openings at the company around the world! Links: Kristo - LinkedIn: https://www.linkedin.com/in/kkaarmann Kristo - Twitter: https://twitter.com/kaarmann Kristo - Website: http://kaarmann.com Carlos - LinkedIn: www.linkedin.com/in/carloseduardoespinal Carlos - Twitter: twitter.com/cee Carlos - Medium: sdca.mp/2entVR3 TransferWise: https://transferwise.com Seedcamp: www.seedcamp.com
MONEY FM 89.3 - Prime Time with Howie Lim, Bernard Lim & Finance Presenter JP Ong
Kristo Käärmann on ridding the issue of high global money transfer fees which led to TransferWise.
Kristo Kaarman, CEO of international money transfer service, Transferwise, talks with The New York Times' Rebecca Blumenstein with additional commentary from CB Insights Fintech Analyst, Lindsay Davis.
Kristo Käärmann (Executive Founder of TransferWise) gives the afternoon keynote at Oxford Saïd Entrepreneurship Forum 2018.