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We do recognise that there are areas where the current financial services market, the banking market, just isn't working for chunks of the British economy.
Our entire approach to the banking and financial services business is risk-adjusted returns. We believe that in most parts of the world, and including pockets in India, banking tends to mis-price risk.
So far, Indian companies have focused more on customer application. This needs to shift to packaged software for sectors such as banking and financial services.
Software is eating the financial services industry. We have a large addressable market for PayPal to play in.
When I first went into financial services, people told me not to be too over-optimistic about change.
The financial services industry is a ward of the state.
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.
The changing nature of money is only one facet of the financial services revolution.
People who work in financial services don't have one shred of concern about the well-being of the people they serve. They're only interested in themselves.