I was losing hundreds of pounds a year on foreign exchange fees. Every bank was doing it. I thought — someone should fix this. Then I realized it would have to be me.

forexfrustrationNikolay Storonsky, interview

We don't want to be a bank. We want to be the financial super-app — everything you need for money in one place.

ambitionsuper-appNikolay Storonsky, interview

Speed is our competitive advantage. Traditional banks take two years to launch a feature. We take two weeks.

competitionexecutionNikolay Storonsky, conference talk

Forty-five million customers trust us with their money. That number will be a billion within ten years.

ambitiongrowthNikolay Storonsky, media interview

The banking license took three years. Every month I wanted to scream. But now we have it, and no one can take it away.

bankingpersistenceNikolay Storonsky, post-license interview