Technology itself does not decide what the future looks like.

I always say the Nubank story was very unlikely. It was a very low probability event. Again. We were going after these very big incumbent banks. Everybody told me, you know, you're Colombian. You have no idea what you're doing in Brazil. They're going to crush you. Like, don't. Just don't do it. And I did it mostly because everybody told me I couldn't do it. And so, if somebody tells me I can't do something, I want to go do it.

Brummies have adopted the sense that we live in a shit-hole, but in terms of green space, culture and community, it’s unrivalled. It’s a calm and happy place; my heart rate drops when I get off the train from London. I say, kind of with tongue in cheek, but not that far in my cheek, that it’s the best city in the world.

There was very much a real feel that we probably pretty much discovered every major fossil field in Africa. And in fact, some scientists even wrote that down at the turn of the millennia. It wasn’t a great time to be proposing to explore and push new, because we hadn’t succeeded, theoretically, being given the chance. All the big discoveries were in old sites. ... I was still an extraordinary believer in that there was more out there to be discovered. I just wasn’t demonstrating.