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The big challenge with Internet financial services has been that it's very difficult to get large numbers of customers to sign up for your service.

Microcredit has shown how you can reach out to people that conventional banking cannot. It has demonstrated that it's a doable proposition.

Go where you will, if a shilling can there be procured, you may expect to meet with individuals in search of it.

I happen to know a bit about banking.

I have nothing against investment banking, but it's like massaging money rather than creating money.

I don't do online banking.

Well, I just bought a massive bank and I've moved into it on my own.

As I've said before, free money scams are a problem.

We don't want to bank all our risk on a small collection of big companies. We don't want to lose 20 percent of our business if one big account goes away.

I am not going to take a role because there's money. It might extend my checkbook, but not my integrity.