Kristo Käärmann is the co-founder and CEO of TransferWise, a peer-to-peer international money transfer business. Prior to starting TransferWise, Kristo was a management consultant with Deloitte Consulting and PricewaterhouseCoopers. He worked with European banks and insurers to modernise their processes and systems. Stunned by their inefficiency, he teamed up with fellow Estonian Taavet Hinrikus, then Skype’s director of strategy, to develop an entirely new system for moving money across borders.