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Thirty to 40 years ago, most financial decisions were fairly simple.
For every one of our failures, we had spreadsheets that looked awesome
So I think instead of focusing on the competition, focus on the customer.
Before 1980, it was basically illegal for U.S. banks to invent new products.
We're still in the first minutes of the first day of the Internet revolution.
Well, today people have to be self-reliant if they want a secure retirement income.
The changing nature of money is only one facet of the financial services revolution.
Technology is similarly just a catalyst at times for fundamental forces already present.
A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.
The current institutionally provided retirement plans will not cover people's needs upon retirement.
People don't place their trust in government or company pension plans; they have to be self-reliant.
Today more people believe in UFOs than believe that Social Security will take care of their retirement.
Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.
Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins.
Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.
A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.
Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.
Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.
QuickBooks - the very fact that we could even dream to make something in the business arena, and that it would then succeed - was a total revolution to me.
Subsequent to the original Quicken, the whole idea that we, as a consumer products company, could actually make business products, that was a whole revolution in our thinking.