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Mr. Hill, 36, who works in banking, comes from Vero Beach, Fla.
The idea behind them is that competitive advantage in banking comes from rigorously standardising computer systems and procedures around the world and relentlessly driving down costs.
M&S's move into banking comes amid acute embarrassment for RBS-NatWest over service failures and Barclays over Libor rate rigging.
Microsoft's foray into online banking comes through a new vehicle called MSFDC, in partnership with First Data Corp., the country's largest credit card payment processing company.
The reference to "apps" is where the upstart's marketplace banking comes into play (a strategy being pursued in one form or another by a plethora of fintech startups, including the U.K.'s Starling, Curve, and Monzo, and Germany's own N26).
"One of the key questions will be the timing of the exit, making sure that the economy is on a robust and sustainable recovery path - that's very difficult to predict, and it's really where the art rather than the science of central banking comes in," he says.
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The head of investment banking came from Lehman.
That's where the concepts of minimum curve radius and super-elevation, or banking, come in.
I can't recall anyone in banking coming out against cross-selling.
The concerns about banking came after Citigroup, the biggest American bank, reported that third-quarter results fell 57percentt.
The debate over banks and banking came front and center this week.
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CEO of Professional Science Editing for Scientists @ prosciediting.com