"you’ve got to change. People talk about the project and the product iterating and pivoting, but you have to add your own personality and your own learnings have to do that as well. Because as an entrepreneur, as a leader, you are part of the product, you have to think, you have to absorb things and you have to evolve"

"you can’t do it on your own, you have to do it with lots of different types of people and different sources of knowledge"

"you’ll have ups and downs in any particular venture, and you have to recover, you have to be resilient. And every single entrepreneur gets a near death experience, and you have to come back from it. It’s all about recovery and resilience and using that for the next phase"

"‘'People at the end of their career write memoirs. I’m at the beginning.’'"

"I think the most important thing is your health and your family’s health, and then your financial health"

"“I’ve got this fantastic idea about having a bank that’s built on all new technology, that’s on the side of the customer, that actually offers services very competitively.”"

"We’re focused on doing one thing and then living in a marketplace of other products"

"Starting a bank is not for the faint-hearted. But it’s ever so worthwhile"

"We can do interesting things and why shouldn’t we do it in banking?"

"We all as an industry went into the crisis and came back out and I personally don’t think enough has changed"

"I think if you offer good value and you offer a proposition which is innovative, people will migrate to it"

"No matter how big or small, all contributions are meaningful"

""Giving is very important: giving of yourself and giving of your time"."

"You need to believe in yourself and others around you that are able and willing to assist you."

""Honesty and integrity are critical to human behaviour"."

"You have to reflect very closely on decisions you make as they affect not only you but also others around you."

"You need to step back, don’t judge and take a breath"

"Your success is not your own, it is determined by many other influences"

"Being great is being passionate about what you do and seeing the benefit of that through the eyes of other people."

"“my words can’t express gratitude but the smile of a child is the greatest motivation and is enormously rewarding”"

"It is a great opportunity for retailers as it provides small retail businesses with a shop window to the world, driving exports of British products rather than just being a physical place in the community."

"Customers don’t care what shopping channel they use."

"Technology is giving rise to a pace of change that we have not ever seen before. For the customer it’s great."

"The digital revolution has had a major impact on the way consumers shop. It’s a game-changer."

"They were opening shops like billy-o as loads of people were buying things on credit. At that time you did not have to be a great retailer to enjoy a measure of success. But now it is the customer in charge and digitalisation is largely driving it."

"We're always learning from each other, which I think that is really valuable."

"I honestly don't think a day goes by, certainly a week, where I don’t learn something from each other."

"I believe you don't have to do something new for the sake of doing something new, just consider things that have worked well so far."

"Being innovative is crucial in our line of work, and yes it brings a lot of value to try something."

"I’d never really been all that aware of the scale of it all when seeing statistics quoted in the newspaper until I started working in the industry."

"I was gobsmacked by it at the time because back then you were routinely talking hundreds of thousands of pounds for some of these larger “gold standard” government projects."

"If we’re on WTO tariffs, and if we have any friction at the borders, that will put costs up for retailers and hence prices up for consumers."

"That ability to deliver pretty low inflation or even deflation in non-food over the last five years or so has been dependent on frictionless movement of goods across borders, and to the extent that goods are imported from the EU, or from countries that the EU has a trade deal with, as there are no tariffs on those goods coming in."

"I think many retail business are just watching with horror almost at the mess that has been created and how it’s so late, and from a business point of view you would never, never leave everything to the last minute."

"Many retail business are just watching with horror almost at the mess that has been created."

"We stand at the start of the 4th Industrial Revolution. Diversity and inclusion must be at the top of the agenda to enable recovery from the pandemic"

"Our world has changed fundamentally, and it has changed overnight."

"Some years later, many years later, I went back in a very big leadership position because they came looking for me."

"I have to say, looking back over my shoulder the person they did choose did not last very long."

"I was running a very big team; hundreds of people and hundreds of thousands of dollars, actually millions, hundred millions of dollars."

"You are a role model whether you choose to be or not, your behaviours are copied, good or bad."

"I went for a promotion."

"lt has been a bit of a journey, my career, in a good way."

"So on that basis, start today."

"I believe that the greatest threat to diversity is the belief that someone else will fix it."

"It’s never too late to start the diversity and inclusion journey."

"So I believe that diversity is the only way that you can really create competitive advantage."

"I guess with that in mind, from a leadership perspective, the motivation levels of the team and the happiness of the end customer."

"It’s really important that we get that commitment from the top."