Over the past year we've talked extensively about the unbundling of the banks and how a wave of best of breed startups are attacking them at scale. Perhaps one of the biggest European success stories of this is Transferwise, now with over 400 people, and transferring $700m per year across 400 routes, they recently raised a $58M round lead by Andreessen Horowitz.

"No drama, good karma" - Kristo Käärmann

I recently had the pleasure to sit down with CEO, Kristo Käärmann at Slush in Helsinki, to discuss the journey of building a global category leader, the key role of company culture, fundraising strategy and of course the importance of having a sauna in your office.