维拉罗萨对他的团队很有信心，尽管小，却灵活而有创造性，能设计出富有竞争力的产品，而不需要规模优势。
Villarosa has confidence in his team that, despite their small, they have the agility and creativity to build products that can priced competitively without the advantage of scale.
这样做的结果是，银行更加重视销售人员，这些人大多是维拉罗萨加入该银行后雇用的。目的是建立消费者特许制度。
This has given the bank a stronger focus on salespeople as a result, and Villarosa hired more of them after he joined the bank in order to build a consumer franchise.
在信用卡组合中，维拉罗萨称，由于大来俱乐部的缘故，他们每张卡的平均消费率几乎是行业平均水平的两倍。
In his card portfolio, Villarosa claims that his average spend per card is almost double the industry average, surely attributable to the Diners factor.
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