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.

In many ways, leadership is about defining reality and inspiring hope, but if you have these great people around you and they know that what they do is going to be recognized, it can be incredibly powerful.

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.

My mom pushed me in a baby carriage at Martin Luther King rallies. My grandfather was a union organizer. And to me, there is no room - no room - for discrimination of any kind. To me, it's just an anathema.

I don't know how old my phone is, but it was only $10. It is a nice subconscious way of not having the Internet at your fingertips... e-mail, Twitter or Facebook.

The pressures on younger players now are greater. You've just got to be on your toes all the time with social media and stuff. Now you just go to fill your car up, and there will be somebody wanting to film you trying to do something silly like that.

Many people who try to do big bold things in the world find out it's not about the money or the technology: It's about the regulatory hurdles that will try and stop you.

Leaving the record companies tweaked something inside me and I realised I don't have to deal with labels to make something happen. If I want to meet someone, I don't have to go through the label - I'll just go to them. I took my life in my hands and social media has just helped me do that more.