We have to keep transforming ourselves to stay relevant for the future.

In Africa it's difficult to carry the money, it's difficult to have a banking system with tellers, with distribution of cash. So they are using their mobile phones.

I have always been obsessed by the company and making sure that the company is the most contemporary, the most modern of all the players, and delivering the most accurate service for our client.

I think the conventional wisdom is vastly true. There will be a huge growth in mobile, and this is something we are witnessing every day.

I understand that people can start to say stop it, let me have a break and look at my emails without having an ad pop up.

We have to keep transforming ourselves to stay relevant for the future.

University is sheltered from the business world and they think they should not have any connection with the businesses because maybe the business is dirty or not very good.