数字化转型是金融机构提升服务效率和竞争力的必由之路。

And I hope you will come back here to Harvard 30 years from now and reflect on what you have done with your talent and your energy. I hope you will judge yourselves not on your professional accomplishments alone, but also on how well you have addressed the world's deepest inequities…on how well you treated people a world away who have nothing in common with you but their humanity.

创新就是做别人没做过的事情，或是别人做过没做成的事情。

The wound is the place where the light enters you.

Never underestimate the power of a well-designed experiment.

Hope is a good thing, maybe the best of things, and no good thing ever dies.