What has been the biggest success for Virgin Money this year?
Without a doubt our greatest achievement in 2015 has been the successful delivery of our amazing credit card business. The team built our own business from scratch, migrated over 600,000 customers to it with no issues and then went on to exceed our new business expectations.
We even used the Sex Pistols to announce to the world that we are back in the cards business. Never mind the bollocks. That was an amazing achievement - well done to everyone involved - you have made everyone at Virgin Money very proud.
What was the biggest surprise of the year in business?
Soon after we listed Virgin Money I was asked to go into HM Treasury in Whitehall and meet the Economic Secretary to the Treasury and her team.
I had no idea what I was been summoned for and you could have knocked me down with a feather when I was told that HMT had decided to use some of the fines received from the big banks to match the funding we were putting into setting up the Virgin Money Foundation. The Foundation launched this year with £4 million committed from Virgin Money and £4 million from the UK government. I would never have guessed that would happen this year - and I am very grateful for it.
What do you think will change in banking in 2016?
Banking has changed a lot since the financial crisis but there's a long way to go to make it fit for customers in the digital age. I think 2016 will see new innovation in banking products - through technology like Apple Pay or products such as peer to peer lending. I also think there will be consolidation in the sector as one or more challenger banks get together to take on the big boys.
And I hope that the Competition and Markets Authority will finally bite the bullet and intervene in the current account market to make it fairer. People think they get free banking but banks made over £8bn from current accounts in 2014 alone. That can't be right. Fingers crossed.