Thierry welcomes Oliver Schimek, CEO and Founder at CrossLend, to the show. As the CEO of a leading FinTech company in Europe, Oliver provides further clarifications on the company's Luxembourg branch after misreports in the media. They discuss the impact of covid-19 on working from home and the likely effects that are going to be felt in the coming months and years. Oliver then dives into the importance of letting companies with an unsuccessful business model fail quickly to allow the innovation process to kick in. Finally, he shares his insights into the differences between investor risk appetite in the US and Europe and how Europe should change its stance to create European market leaders.