American - Businessman | January 19, 1958 -
I think that the world is going to remain a very interconnected place. I don't think there's any getting away from that. The Internet has brought us closer together. I think cross-border trade is going to continue to grow substantially. I think there may be certain trade agreements that can be renegotiated, one way or another.
Dan Schulman
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My team and I tried cashing checks at check-cashing places and paying bills by money order. It's incredibly inconvenient and time-consuming - it's practically a part-time job just to manage and move your money.
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Too many people go into existing organizations and define success as recreating what is there. To be successful as a startup organization within a large, established culture, you really need to think about how you leverage the assets that are there.
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In addition to my job at American Express, I'm also chairman of the board of Symantec, one of the leading players in anti-virus and cyber-crime prevention software, so I know firsthand just how sophisticated many of these attacks can be.
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Software is eating the financial services industry. We have a large addressable market for PayPal to play in.
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Physical money, whether it's checks or cash or credit card, are digitizing in front of us.
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We had grown too fast at PayPal. Our operating expenses had grown too fast... Growth covers a lot of sin. We want to grow without sin.
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Digital payments have already made it easier to move and manage money. While there's more work to do, the potential is real and understood.
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As CEO, I believe my most important job is to both define reality and inspire hope for the PayPal team. Defining reality includes being realistic about all the things that could go wrong so that we are prepared to navigate those challenges.
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If we can provide a benefit and make money, it's a chance for us to expand the population of customers we serve, expand the products we put in the marketplace, and reinvent ourselves going forward.
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We all have people who are literally one life shock away from going into a crisis. For many of us, we have a buffer in one way or another. We have a savings account, or we have credit that we can go to. The underserved don't have that luxury.
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Managing and moving your money should be a right, not a privilege. This isn't about banking the unbanked. It's about re-imagining what consumer retail banking can be.
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