The banks were making so much money and were so profitable and had so much political power that nobody was able to change them. And the reason we were able to disrupt them is that we came from the outside, we had no legacy, we had no branches, we had no mainframes, we had no employees that were used to a certain way of doing things.
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A lot of people spend time pitching the solution, but they don't really explain the problem, and it should be so crisp and clear what the problem is you're solving that the solution almost just floats from that.
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Lulu Cheng Meservey — Flack