银行不是当铺，银行是信用中介。

Digital transformation is not a technical issue, but an organizational change.

Some men can get results if kindly encouraged, but give me the kind that do things in spite of hell.

A story is not like a road to follow...it's more like a house. You go inside and stay there for a while, wandering back and forth and settling where you like and discovering how the room and corridors relate to each other, how the world outside is altered by being viewed from these windows.

'Jeff, what does Day 2 look like?' 'Day 2 is stasis. Followed by irrelevance. Followed by excruciating, painful decline. Followed by death. And that is why it is always Day 1.' To be sure, this kind of decline would happen in extreme slow motion. An established company might harvest Day 2 for decades, but the final result would still come.