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Scott Cook QUOTES / QUOTATIONS
A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.
Quotation of Scott Cook
And from when everyone gave us up for dead and no venture capitalists would invest - not a one because they all thought we were nuts.
Quotation of Scott Cook
And if you're ahead of the other guy understanding the customer, and if you're bringing to market the stuff that the other companies just haven't figured out because you're ahead in understanding and delivering for the customer, then they're copying your old stuff.
Quotation of Scott Cook
And now a lot of our software hooks up electronically to download new tax forms, to connect to your bank and to your brokerage, to process merchant cards.
Quotation of Scott Cook
And so then it was Quicken Version 3 that finally had a whole bunch of start-up changes in it - a start-up interview and that sort of thing.
Quotation of Scott Cook
Another example of inefficiency is business use of the U.S. postal system.
Quotation of Scott Cook
Another trend in the financial environment is the change in the financial services industry itself.
Quotation of Scott Cook
At least if you buy a company's stock, like Coca Cola, you kind of know what the company makes.
Quotation of Scott Cook
Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.
Quotation of Scott Cook
Before 1980, it was basically illegal for U.S. banks to invent new products.
Quotation of Scott Cook
But getting stuff in the first time can be anything but easy, so that's an area that I think is ready for real work and progress.
Quotation of Scott Cook
But if you buy an aggressive growth fund, you don't have a clue what is involved unless you understand the fund's prospectus, which is written by some lawyer and is usually opaque.
Quotation of Scott Cook
But you know, the fundamentals of how you build a product and how you approach the customers and solve their problems have not changed.
Quotation of Scott Cook
Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.
Quotation of Scott Cook
Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.
Quotation of Scott Cook
Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins.
Quotation of Scott Cook
Generally, once things get into a computer application that's well designed, it's pretty easy.
Quotation of Scott Cook
I find too many companies in our industry have focused on the competition, particularly when it was Microsoft, to their deaths.
Quotation of Scott Cook
I think probably that the 1991 release where we first hooked up to credit cards represented another big step.
Quotation of Scott Cook
I'd like our software somehow automatically recognizing your data and your situation and respond to that without you having to set it up.
Quotation of Scott Cook
I'd love to have all the data that you touch in your financial world be available electronically - to do taxes for example.
Quotation of Scott Cook
If you survey Americans and ask them when they most want to buy financial products and make financial decisions - such as refinancing their mortgages and investing in mutual funds - most working Americans will say at night and on weekends.
Quotation of Scott Cook
Indeed, mutual funds that operate 24 hours a day, 7 days a week are finding that the majority of their business comes in during nights and weekends.
Quotation of Scott Cook
Indeed, the products are so complex that not even the financial service companies can reliably know what to recommend.
Quotation of Scott Cook
It is stunning to look back at the way the U.S. government regulated financial services and still regulates them.
Quotation of Scott Cook
Most ASPs are very small unless the service they offer is free, such as with Hotmail.
Quotation of Scott Cook
Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.
Quotation of Scott Cook
People don't place their trust in government or company pension plans; they have to be self-reliant.
Quotation of Scott Cook
QuickBooks - the very fact that we could even dream to make something in the business arena, and that it would then succeed - was a total revolution to me.
Quotation of Scott Cook
Similarly, computer technology will lower costs and increase convenience, allowing people to shop 24 hours a day, 7 days a week from their homes.
Quotation of Scott Cook
So I think instead of focusing on the competition, focus on the customer.
Quotation of Scott Cook
Subsequent to the original Quicken, the whole idea that we, as a consumer products company, could actually make business products, that was a whole revolution in our thinking.
Quotation of Scott Cook
Technology can make tremendous changes in slashing the costs of marketing and distribution.
Quotation of Scott Cook
Technology is similarly just a catalyst at times for fundamental forces already present.
Quotation of Scott Cook
Technology will make it far more efficient and far more convenient for the consumer.
Quotation of Scott Cook
The changing nature of money is only one facet of the financial services revolution.
Quotation of Scott Cook
The current institutionally provided retirement plans will not cover people's needs upon retirement.
Quotation of Scott Cook
The usability testing had never revealed how hard it was to do it with your own real data as opposed to doing it in the usability lab under artificial circumstances.
Quotation of Scott Cook
Thirty to 40 years ago, most financial decisions were fairly simple.
Quotation of Scott Cook
Today more people believe in UFOs than believe that Social Security will take care of their retirement.
Quotation of Scott Cook
Today there are a multitude of financial products and services on the market in the United States.
Quotation of Scott Cook
We have big chunks today coming in electronically, but that's a technology change plus an environment change I wish we had.
Quotation of Scott Cook
We're still in the first minutes of the first day of the Internet revolution.
Quotation of Scott Cook
Wealth is no longer stored in physical means, it's stored as bits on mainframe disk drives and transferred electronically.
Quotation of Scott Cook
Well I'd say the first thing that strikes me is how many of the essentials have not changed.
Quotation of Scott Cook
Well if you look at today, most software company volume is a box, sold through a retail store or sometimes through the mail, with a book in it and a disc that you stick into a computer and run the app.
Quotation of Scott Cook
Well, today people have to be self-reliant if they want a secure retirement income.
Quotation of Scott Cook
Well, today there are more than 7,000 mutual funds alone to choose from, more than the number of listed stocks on the New York Stock Exchange.
Quotation of Scott Cook
What's interesting is that the financial services industry is perhaps the largest industry today where the product is already marvelously automated.
Quotation of Scott Cook