That human beings are selfish. I don’t believe it. We have angels and monsters inside each of us. What we need to do better as a society is create systems and opportunities to bring out our most generous.

My big idea is to marry affordability and access to ensure that we leverage innovation to develop affordable, cutting-edge therapies for chronic diseases.

Pix is probably the most successful payment infrastructure run by a government in history. I think Pix has been what has allowed a country like Brazil to leapfrog developed economies like the U.S. and in Europe, and has positioned Brazil today probably five years ahead of the U.S. I don't think anybody understands that, and probably in the U.S. they didn't really expect that.

Well, I don’t agree with Sartre. I like others.

We didn’t research the product. We didn’t launch a focus group or field a study. We had an idea, and we acted. The results informed our thinking.

My job hunting days were at the height of the bubble economy. At the time, I was focused on joining big corporations and had no intention of myself becoming an entrepreneur. I started working at a major bank with a vague idea that I wanted "a job that would take me around the world."

My answer may have surprised some in attendance at the meeting: I don’t have a role model or sensei. Or to be more precise, I don’t have a single teacher. Instead, I take it upon myself to learn from everyone around me. If we open our eyes, we may find that everyone can be our teacher.

Until then, I had thought that the goal of a business person was to get ahead in a big company, but at Harvard I learned that starting a business was the greatest possible achievement in business. In the United States, people who start small companies are praised.

Well, unlike our competitors, Google, EBay, Amazon, and most of the Chinese internet startups, we never got any fun or money from any VC (ph). We started with our own capital, by our self, with our own business model.

As an entrepreneur, I am the sort of person who prefers to understand things in an intuitive way and make top-down decisions. I have previously referred to the process by which I make decisions as a game of catch between my left and right brain.