Justice John Hedigan on banking: ‘Regulation can change behaviour, but not culture. They have to want to do it’

While he is ‘cautiously optimistic’ about the future, Hedigan, chairman of the Irish Banking Culture Board, knows there is still a lot of work to be done to restore public trust in the sector

As a judge, John Hedigan saw first-hand the trauma the financial crisis inflicted on thousands of desperate homeowners. Picture: Fergal Phillips