"I wrote a paper in college on the challenges for financial institutions regarding gaining the trust of users, especially small business owners and startups. With so many pay services and fund transfer services out there, there are a lot of cyber security concerns. In addition, scams are growing more elaborate and sophisticated. As a result, there seems to be a demand for increased supervisory and regulatory action, including better consumer and investor protection."

"Protecting customer privacy is a top challenge for professionals in this industry today. We've seen several high-profile data leaks and infringements on customer privacy in the past few years. Maintaining a robust data protection system that allows clients to feel secure is incredibly important within the industry, and it's something that I take seriously as a professional. It's clear Square takes it seriously as well, considering that all information their customers submit is encrypted to their servers, regardless of whether they're using a public or private Wi-Fi connection or a data service on their phones."