Jill Castilla

"Every stone I unturned, there were smelly, ugly things under them."

President and CEO of Citizens Bank of Edmond, discussing her efforts to revive the troubled Oklahoma bank following the financial crisis

Ana Botin

"If you think about the big guys now, it is not the banks, it is these four large tech companies that are worth more than us."

Santander Group's chairwoman, speaking of competition banks face from the likes of Apple, Facebook, Google and Amazon

John Taylor

"When branches close, they are like dinosaurs. They never come back."

President and CEO of the National Community Reinvestment Coalition, saying banks' push to give branches less weight on the CRA review — on the premise that mobile devices cam deliver the same services — will hurt low-income communities

Marianne Lake

"Scale has always defined the winner in banking."

JPMorgan Chase's chief financial officer, arguing against calls to break up the company

Stessa Cohen

"I shudder when I think about it."

Research director at Gartner, on her opposition to the idea of giving branch employees wearable technology so they can identify customers walking in

Jamie Armistead

"There's not one tech disruptor we see out there as about to overtake the banks. But when you look at them in aggregate, we absolutely have to pay attention to all of them."

Executive vice president of digital channels at Bank of the West, on how tech companies are chipping away at banks' customer relationships via payments

Michael Corbat

"When I go to Washington, it seems like distrust of banks is one area where politicians on both sides of the aisle agree. It is heartwarming to see our ability to help bring our leaders together."

Citigroup's CEO, speaking at the Greater Omaha Chamber of Commerce annual meeting

Mark Garland

"To say people can't refinance is like saying the Titanic can't sink."

President of MountainView Servicing, discussing how a drop in interest rates during the fourth quarter surprised many mortgage servicers

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