dr. ken davis. he's the president and ceo of mount sinai health systems. thank you for being here. >> great to be here. >> we are one year in to the affordable care act. i know it is early on to tell but a gallup poll is showing the rate is 13%. how would you judge the beginning of obamacare? >> there are three things they wanted to do, increase access, improve quality, decrease costs. clearly on increasing access it has been successful. it is successful at the medicaid level. it is successful at the larger . around quality, there are now penalties for medicare for payments to hospitals around hospital-acquired infections and reed readmissions and as a resu qu is up. financially, we see the rate of increase in what we have been paying for health care as a nation, that rate of increase is slowing. so that's a good thing. those who favored this law suggest that the law had something to do with it. there are many explanations why the rate is decreasing that may not relate to the aca. >> such as? >> well, copays are larger, deductibles are larger and people ar

dr. ken davis. >>> up next on the money. a father and daughter team set up for banks. >>> and we'll talk with the jenny craig ceo about diet, exercise and staying on track with weight loss goals. >>> right now as we head to a break. take a look at how the stock market ended the week. >>> that is customer bank corp ceo, ringing the closing bell at the stock change. this father and daughter team are creating a mobile bank. only available through smartphone and tablets. jay sidhu is the ceo, and luvleen is the bank mobile chief strategy officer. thank you for being here. >> thank you, we're excited to be here. >> and so i know mobile is the most exciting thing going an where all of the growth is but the idea you can only get to this application through your phone or through a tablet, how did you come up with that? >> think about a bank. the way to build a bank is to have more branches or to buy the banks and get rid of everything else and keep those branches. now we have a million customers today who are all over the country, a