While the news of Klarna’s successful IPO spread across the world My phone buzzed with more congratulatory messages than I had ever seen. Exhausted, happy, on my way home, one sender’s name flashed across the screen and caught my attention: Sir Michael Moritz!

I laughed! You see, Michael and I are the same in this regard: it’s never about the achievement, never about what has been done. Complacency and loss of sense of urgency - that is the most dangerous thing. Now: next milestone disrupt, the fintechs and the banks!