The global outbreak of the COVID-19 pandemic slowed some parts of normal life to a crawl, while others saw their paces quickened unexpectedly. Financial services remains a growing segment, and the needs in both consumer and treasury banking are expanding and becoming more complex. Consumers’ changing needs are reinventing retail, as people are attempting to right-size their purchasing prerogatives to better mesh with their new lifestyles. And across the board with every innovation, we see the same follow-up question: How can we do it faster next time?