American - Businessman | January 19, 1958 -
Our overriding mantra is to be customer champion.
Dan Schulman
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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.
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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.
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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.
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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.
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When I first entered the corporate world, doing good and making money were seen as separate and contradictory threads. Challenging that notion set my career - and life - on a new course.
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On average, an underserved consumer spends 10% of their disposable income on unnecessary fees and interest rates.
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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.
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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.
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I think what we really need to think about is how do we reimagine the management and movement of money in an era where everyone will have a smartphone.
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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.
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If you think about the under-30 generation, the millennial generation - GenTech, as I call them - they grew up with a screen in front of them. And so they think about everyday processes, like payments, differently than you and I do.
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