“My sense when I took this job is that we have three years to nail this because consumers are already using brilliant apps in many aspects of their lives and this industry has been late to focus on mobile”
“When the outlook is positive and volatility is low, as a business you can make long-term investments. If the outlook is negative and volatility is high, you postpone them. But now we have this mix of positivity and volatility – that’s a whole new challenge to balance”
