I’m on a course at the moment cheap metformin As well as sufficient scale, you need a culture focused on what customers want. Too often, the focus in banks has been on devising high-margin products and then trying to find a customer to sell them to. In the SME market, businesses feel let down by their banks, which have often reduced lending because of the banks’ own problems. As a new player, this is something we will change. I know how businesses should listen to customers from my days at Tesco and I want to bring exactly the same customer focus to the bank.