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

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

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

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

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

"“I’ve got this fantastic idea about having a bank that’s built on all new technology, that’s on the side of the custo…"

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

"you’ll have ups and downs in any particular venture, and you have to recover, you have to be resilient. And every sin…"

"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’ve got to change. People talk about the project and the product iterating and pivoting, but you have to add your …"