Even a small reduction in errors and rework can have a significant impact.

I'm a believer. I'm one of the few standing before you today from a large financial services company that has not given up on digital currencies.

No matter how senior you get in an organization, no matter how well you're perceived to be doing, your job is never done. Every day, you get up and the world is changing; your customers are expecting more from you. Your competitors are putting pressure on you by doing more and trying to beat you here and beat you there.

I demand pretty aggressive goal setting and a commitment to measured progress towards those goals because I don't like surprises. I don't even like good surprises.

If you have read me for any length of time, you know I am less than enthralled with much of what passes for financial news.

I describe Bitcoin as 'the Skype of money.'

The financial service industry has an image issue.

The key to making healthy decisions is to respect your future self. Honor him or her. Treat him or her like you would treat a friend or a loved one. A Stanford study showed that those who saw a photo of their future self made smarter financial decisions.