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" Our overriding mantra is to be customer champion. "

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" I think we operate in a very dynamic marketplace, and as such, we need to constantly innovate. "

" I do think there's no substitute for really hard work. But I think the thing that launched my career at AT&T, I had a pretty tragic thing happen in my family. My sister died, and I was leading a big team at the time, and I had to take time off. "

" We believe digital payments are making financial services more universally affordable, accessible and, therefore, have the opportunity to drive financial inclusion and financial health for billions worldwide. "

" I think that sometimes people talk about disruption, and I've seen tons of startups come in as disruptors and then disappear. And I think what we need to do as an industry is think about a world that is dominated by mobile and software and not extrapolate from what was. And I think a lot of big companies tend to want to do that. "

" We are excited to see how PayPal's global payment platform can help small businesses in Cuba thrive and grow by making it easier to connect to international markets. "

" Full financial citizenship means more than just a savings account and a way to transfer money and pay bills. It also requires access to credit along with the ability to accept payments and run a business, send money to family or transact business across borders, contribute to the community and help others in need, and invest for the future. "

" If you want to have the best employees, there really needs to be a vision and a mission. Talent looks for a mission. And if you have the best talent, that's the single biggest competitive advantage any company can have. "

" One way to understand human progress is to look at how technology has made products and services - once reserved for the elite - progressively more accessible and affordable. "

" No one can say that democratizing financial services is bad. It is good for communities, countries, the global economy, and educational progress. "

" Personal and mobile computing, long-distance communications, energy storage, and air travel are just a few of the things that have been democratized by technology, creating new possibilities for billions of people. "

" There's always some potential vulnerabilities in any system. "

" When you focus solely on valuation and market share, you win some and you lose some. When you focus on the needs of your customers and help them achieve their dreams, you win every time. "

" Everyone has all the power of a bank branch in the palm of their hand. And so in that world of software at scale, theoretically the incremental unit cost of something at scale approaches zero. "

" I spent the first 18 years of my career at AT&T, and it was a wonderful place that kept me moving all the time. I mean, I started off as entry level a position as you can get at AT&T. "

" The big problem retailers are facing is the world is moving to mobile. "

" The digitisation of money, the rapid expansion of internet access and, of course, the adoption of mobile phones have created the perfect conditions to make it easier, secure, and affordable to save, spend, give, and borrow. "

" We're trying to democratise financial services, to ensure that management and movement of money is a right for all citizens, not the privilege of the affluent. "

" When I first went into financial services, people told me not to be too over-optimistic about change. "

" I do think that in a digital future, consumers will increasingly turn to brands that they trust. Trust, security, and service are even more important in a digital world. "

" Before I became the president of AT&T's consumer division, I was running strategy and our internet services, so I was the president of one of the first internet service providers, ISPs, AT&T Worldnet, and running our internet protocol product development as well. So I knew a lot about what was going on with the internet. "

" We have the flexibility to work with any potential merchant partner across the globe. "

" There is absolutely no room for discrimination against anyone in our country or anywhere in world. "

" India is among the leaders in thinking about how technology can solve some of the problems about financial inclusion. But if you think that financial inclusion as a problem has a solution rooted in technology, it's obviously not the only thing. "

" In many ways, leadership is about defining reality and inspiring hope, but if you have these great people around you and they know that what they do is going to be recognized, it can be incredibly powerful. "