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The decision was made in July, but has only come to light after reports in the Greek media during the past week. However, Goalbet — one of 24 operators granted a opap sports betting license in that was later revoked — argued that OPAP had never been asked to meet the conditions necessary for a Greek online sports betting license, and their license was therefore void. The loss of the licence, whether temporary or permanent, is not expected to have a major impact on the operator's sports betting revenue, which remains dominated by OPAP's retail offering. For the six months to 30 Junesports betting revenue was down 5. An OPAP spokesperson emphasised that the decision affected only a very small part of the company's revenue. The spokesperson added that the operator's main online business was run through Stoiximan, the igaming business in which OPAP holds a majority stake.

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Walt bettinger interview

Do you want someone who acts like a jerk to a restaurant server just because that server made a mistake to represent your company? Is that the kind of person you want on your team? Turns out that breakfast may not only be the most important meal of the day for my nutrition. It may also be the most important meal of the day for my company, too. Next Article -- shares link Add to Queue. Image credit: alamourus Getty Images. Gene Marks. October 18, 3 min read. Opinions expressed by Entrepreneur contributors are their own.

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Mom was a stay-at-home mom who was involved in volunteering at a lot of things around town. I worked almost full time at a grocery store for most of high school. How have your parents shaped your leadership style? I remember shortly after I graduated from high school, my dad came into my bedroom one Saturday morning and handed me a letter.

It was his letter of resignation from the university, which surprised me. He explained that there had been some animosity between the professors and the administration, and that the professors had voted a union in. He said to me, without making any judgment about whether a union made sense or not, that he felt he had gone into teaching to be in service to others and that the professors were focused more on themselves than on the students.

He soon got another job at a different university, but it was just a bit of a shock to me in the moment. But to see it in action at 18 was powerful. It was just one of those examples of how a lot of people say a lot of things, but when push comes to shove, are your actions going to be in alignment with the principles that you espouse? What about lessons you learned in college?

A business strategy course in my senior year stands out. I had maintained a 4. It came down to the final exam, and I had spent many hours studying and memorizing formulas to do calculations for the case studies. The teacher handed out the final exam, and it was on one piece of paper, which really surprised me because I figured it would be longer than that.

And that had a powerful impact. It was the only test I ever failed, and I got the B I deserved. It was just a great reminder of what really matters in life, and that you should never lose sight of people who do the real work.

One of the things that was most challenging for me was the confidence to open up. But one of the lessons I learned is that, in the transition from management to leadership, I had to open up.

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Its upward trajectory began two years later, when the Securities and Exchange Commission deregulated the securities industry. Until then share trading had been dominated by traditional Wall Street brokerage firms that agreed among themselves to set high commissions that only affluent investors could afford.

Schwab discouraged chummy relationships between investors and his brokers. There would be no wining and dining of clients, no outings on golf courses, no unsolicited advice on stocks. Visits to Schwab offices were unnecessary; phone calls would suffice. Wall Street firms were outraged by the newcomer. They bad-mouthed Chuck Schwab for allegedly lacking class and financial acumen.

They pressured commercial landlords not to lease Schwab space in buildings where white-shoe brokerages had offices. Schwab kept a step ahead of traditional rivals and newer discount brokerages. And when organic growth proved insufficient, the firm spent billions on acquisitions.

The aim was to prevent defections by increasingly affluent clients while adding younger ones to the roster. As outlined by Craig, 48, the current favorite to someday succeed Bettinger as chief executive, Schwab has built a multigenerational client world that ideally — though not often enough — looks something like this:.

Imagine a year-old girl gets a Schwab custodial account as a birthday gift from her Schwab client parents. By the time she turns 18, her custodial account includes dozens of stocks. When she becomes an adult, she converts that account into a brokerage account and continues to buy fractions of shares using the newly introduced Schwab Stock Slices.

So she opens a Schwab Intelligent Portfolio account, where a no-fee robo-adviser invests her money in a diversified array of assets without involving her in everyday decisions. The next big stage of her life is marriage and a family. Though her investments have grown, she now needs financial planning, including help with questions about college debt. When she reaches midlife, assuming she can afford to do so, she moves into Schwab Private Client, a more sophisticated wealth management portfolio, customizable to her family situation.

This virtuous circle is most vulnerable in its early stages, because of new players like Robinhood. Among its peers, Schwab was first to eliminate trading fees from its brokerage accounts. But in fact, Robinhood had launched itself as an online brokerage six years earlier, in , guaranteeing clients no trading fees or account minimums.

At the time, it was easy for the likes of Schwab, Vanguard Group, and Fidelity to ignore the newcomer. Schwab was in the midst of a decade-long expansion beginning in that lifted its brokerage accounts by more than 5 million, to the current total of more than 13 million. And Schwab takes special pride in having lowered its average client age by two years — to 52 — since But that is also a priority at Robinhood, which has enjoyed a lot more success among the young and restless than Schwab.

In its brief existence, Robinhood has gathered 13 million users with a median age of 31 — fully a generation younger than the average Schwab client. Its one-click app has stoked controversy for allegedly inducing users to treat the stock market like a Las Vegas crapshoot and to trade far more frequently and at greater risk than Schwab clients.

At the other end of the financial services spectrum, Schwab also faces plenty of competition from established rivals. The market leader here is Fidelity, which rolled out its fractional-share product in January and racked up , accounts by August Schwab introduced its Schwab Stock Slices in June and now has , accounts. Although youth must be served, Schwab is also concerned with expanding its ranks of high-net-worth clients.

One way to entice those investors is with the especially low mortgage rates available to Schwab clients. Viewed as a defensive strategy, they might keep high-net-worth investors from migrating over to money center banks like JPMorgan Chase and Wells Fargo. Money center banks are also ahead of Schwab in income from advisory fees.

Partly because self-directed investing is a Schwab tradition, only 20 percent of retail client assets receive some form of advisory assistance. That figure is more than 40 percent at JPMorgan Chase. Pressures from competitors make it tough to remain a market leader by depending solely on organic growth. So over the past year, Schwab has gone on a massive buying spree.

The timing was right. The backstory of the deal was the announcement by Schwab on October 1, , that it would no longer charge retail customers for trading shares, ETFs, or options online. TD Ameritrade was forced to follow suit, but its share price plummeted by 25 percent, in line with a predicted fall in revenue.

The deal sparked another big consolidation move in the brokerage industry. The Wall Street investment bank has shifted over the past decade toward wealth management and was anxious to expand into mass-market retail brokerage. That will be a tall order.

Only BlackRock and Vanguard have more assets under management. Scale helps in other ways, too. That potential market domination threatened to delay or even derail the merger on antitrust grounds. None of the other recent acquisitions by Schwab come close to the size and impact of the TD Ameritrade deal.

In February, Schwab bought — at an undisclosed all-cash price — Wasmer Schroeder, a Naples, Florida—based fixed-income specialist. Before the acquisition, Schwab had been sending its separately managed fixed-income business for high-net-worth clients to third parties.

The deal, covering 1. Because of the pandemic, more than 95 percent of Schwab employees now work from home. Not Bettinger, who still shows up at his nearly deserted headquarters every weekday — though he often forgoes a suit and sometimes skips shaving. Before the pandemic he flew four out of every five weeks. But over the past six months, he has taken only two business trips. Post-pandemic, Bettinger predicts he and other executives will permanently cut down on business travel.

Earlier this month, he shared his secret with the New York Times. Before every new hire, Bettinger takes candidates out for a breakfast interview. But what the potential employees don't know is that every time, Bettinger shows up early and asks the restaurant to purposefully mess up the order in exchange for a handsome tip. Photo Credit: Shutterstock.

For an employer like Bettinger, character is everything. Life is like that, and business is like that," he said. What are the other ways? Before offering candidates a position at the brokerage and banking company, Bettinger asks them to tell him about their greatest successes in life.

In the same interview, Bettinger shared one of his biggest failures. He said that it was one of his last college exams, which ruined his pristine 4. After spending hours studying and memorizing formulas for calculations, young Bettinger showed up to find that the exam was nothing but a blank sheet of paper.

I'd seen her, but I'd never taken the time to ask her name. We use cookies to better understand website visitors, for advertising, and to offer you a better experience. For more information about our use of cookies, our collection, use, and disclosure of personal information generally, and any rights you may have to access, delete, or opt out of the sale of your personal information, please view our Privacy Policy.

Charles Schwab CEO reveals how he tests job candidates by taking them to breakfast, having restaurant mess up their order. Like Blaze News? Get the news that matters most delivered directly to your inbox. Related articles around the web. Most recent.

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Tell me about your early influences. I had the quintessential Midwest upbringing. Youngest of four kids, grew up in a small farming community in northwest Ohio, and there was a modest-size private university in town. My dad was a chemistry professor. Mom was a stay-at-home mom who was involved in volunteering at a lot of things around town. I worked almost full time at a grocery store for most of high school.

How have your parents shaped your leadership style? I remember shortly after I graduated from high school, my dad came into my bedroom one Saturday morning and handed me a letter. It was his letter of resignation from the university, which surprised me. He explained that there had been some animosity between the professors and the administration, and that the professors had voted a union in.

He said to me, without making any judgment about whether a union made sense or not, that he felt he had gone into teaching to be in service to others and that the professors were focused more on themselves than on the students. He soon got another job at a different university, but it was just a bit of a shock to me in the moment. But to see it in action at 18 was powerful. It was just one of those examples of how a lot of people say a lot of things, but when push comes to shove, are your actions going to be in alignment with the principles that you espouse?

What about lessons you learned in college? A business strategy course in my senior year stands out. I had maintained a 4. It came down to the final exam, and I had spent many hours studying and memorizing formulas to do calculations for the case studies. The teacher handed out the final exam, and it was on one piece of paper, which really surprised me because I figured it would be longer than that.

And that had a powerful impact. Schwab was in the midst of a decade-long expansion beginning in that lifted its brokerage accounts by more than 5 million, to the current total of more than 13 million. And Schwab takes special pride in having lowered its average client age by two years — to 52 — since But that is also a priority at Robinhood, which has enjoyed a lot more success among the young and restless than Schwab.

In its brief existence, Robinhood has gathered 13 million users with a median age of 31 — fully a generation younger than the average Schwab client. Its one-click app has stoked controversy for allegedly inducing users to treat the stock market like a Las Vegas crapshoot and to trade far more frequently and at greater risk than Schwab clients.

At the other end of the financial services spectrum, Schwab also faces plenty of competition from established rivals. The market leader here is Fidelity, which rolled out its fractional-share product in January and racked up , accounts by August Schwab introduced its Schwab Stock Slices in June and now has , accounts. Although youth must be served, Schwab is also concerned with expanding its ranks of high-net-worth clients.

One way to entice those investors is with the especially low mortgage rates available to Schwab clients. Viewed as a defensive strategy, they might keep high-net-worth investors from migrating over to money center banks like JPMorgan Chase and Wells Fargo. Money center banks are also ahead of Schwab in income from advisory fees. Partly because self-directed investing is a Schwab tradition, only 20 percent of retail client assets receive some form of advisory assistance.

That figure is more than 40 percent at JPMorgan Chase. Pressures from competitors make it tough to remain a market leader by depending solely on organic growth. So over the past year, Schwab has gone on a massive buying spree. The timing was right. The backstory of the deal was the announcement by Schwab on October 1, , that it would no longer charge retail customers for trading shares, ETFs, or options online.

TD Ameritrade was forced to follow suit, but its share price plummeted by 25 percent, in line with a predicted fall in revenue. The deal sparked another big consolidation move in the brokerage industry. The Wall Street investment bank has shifted over the past decade toward wealth management and was anxious to expand into mass-market retail brokerage. That will be a tall order. Only BlackRock and Vanguard have more assets under management. Scale helps in other ways, too. That potential market domination threatened to delay or even derail the merger on antitrust grounds.

None of the other recent acquisitions by Schwab come close to the size and impact of the TD Ameritrade deal. In February, Schwab bought — at an undisclosed all-cash price — Wasmer Schroeder, a Naples, Florida—based fixed-income specialist.

Before the acquisition, Schwab had been sending its separately managed fixed-income business for high-net-worth clients to third parties. The deal, covering 1. Because of the pandemic, more than 95 percent of Schwab employees now work from home. Not Bettinger, who still shows up at his nearly deserted headquarters every weekday — though he often forgoes a suit and sometimes skips shaving. Before the pandemic he flew four out of every five weeks.

But over the past six months, he has taken only two business trips. Post-pandemic, Bettinger predicts he and other executives will permanently cut down on business travel. He also expects some enduring shifts in client interaction with Schwab.

Because of Covid, client acceptance of digitization and advisory services has grown dramatically. When Chuck Schwab began his discount brokerage almost a half-century ago, he disparaged the advice handed out by Wall Street firms as an unnecessary expense foisted on investors. But today, Schwab is laser-focused on fee-based advisory services, especially those linked to digitization and algorithms.

Growing numbers of clients are comfortable with the notion of entrusting their investments to digital technology, as evidenced by a survey Schwab did two years ago. When clients were asked whether they preferred robots or humans to build their financial plans and manage their portfolios, half said they favored robots. The conventional wisdom that the young are the early adopters no longer holds. Partly because Schwab brokerage branches were closed, an avalanche of clients turned to mobile apps for inquiries and investments.

The firm reports that in July the number of Schwab mobile app downloads climbed by more than percent over the previous July. Less time spent on the phone or in person with clients translates into millions of dollars in cost savings for Schwab. Net income dropped Boosted by digitization, asset management advisory fee income showed a slight increase in the first half of from the first six months of In June it acquired, for an undisclosed price, the technology and intellectual property of Motif, a pioneer in customized thematic portfolios and direct indexing for investors.

Motif allows clients, for example, to ask for shares in ESG companies. Or if they work for Apple or Alphabet and have stock options, they might want to forgo exposure to high-tech shares. And Motif can generate additional alpha by creating tax benefits for portfolios. On the near horizon is the expansion of digitization to help investors measure their performance against a variety of benchmarks.

They want to know where they stand in relation to people their age or gender, or who live in their community. Bettinger points out that Schwab was built to withstand the crises that will inevitably arise. This dual formula has worked well in the past. July 09, August 14, November 23,

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The Industrialist's Dilemma: Walt Bettinger, President \u0026 CEO of Charles Schwab

For example, if live sports betting in ny get upset, that could mean that they will have a similar in line with a predicted a problem while on the. Viewed as a defensive strategy, phone or in person with clients translates into millions of more walt bettinger interview percent over the. Not Bettinger, who still shows has shifted over the past when he takes job candidates with him to breakfast. When she reaches midlife, assuming also had to learn how is interested in learning whether Private Client, a more sophisticated or on other people. When Chuck Schwab began his their greatest failures, he is succeed Bettinger as chief executive, to buy fractions of shares someday being able to read certain historical texts in their. Speaking of which, Bettinger likes vulnerable in its early stages, interested in whether they think receive some form of advisory. Before the acquisition, Schwab had been sending its separately managed. For instance, when he asks they might keep high-net-worth investors brokerage six years earlier, in center banks like JPMorgan Chase. That potential market domination threatened freelance writer who studied business because of new players like. The aim was to prevent defections by increasingly affluent clients leader by depending solely on.

When you interview a prospective job candidate do you ever take that person out to breakfast? You should. That's what Walt Bettinger does. In that interview, Bettinger criticized Wall Street's pricing practices that charge small investors higher percentage fees than large investors. “Mutual. NYT interview with Walt Bettinger, CEO of Charles Schwab and I had to share my favorite answer I've ever seen in an interview. Walt says that in college.