We live in unprecedented times The global COVID-19 outbreak has created unexpected disruption, forcing individuals and businesses to change the way we live, work and interact. This has shattered many orthodoxies–for example, “remote working won’t hold up”–accelerating us towards the NEW NORMAL. Banks have responded swiftly to take control NOW, catering to the immediate needs of customers as the COVID-19 crisis deepens. They will soon need to think about the NEXT steps to stabilise their business. We believe the real opportunity is to accelerate the NEW NORMAL. This is a future vision of banking that is purpose-driven, value- generating and operationally innovative. 2