KRISTO KAARMANN
Banks near zero hour on $124 trillion of flowsExorbitant currency spreads and hefty bank charges are the norm for payments that cross national borders.
London's $1 billion fintech startup TransferWise quietly changed CEO in SeptemberCo-founder Taavet Hinrikus has taken over from fellow founder Kristo Kaarmann as the boss of the international money transfer business.
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