The future is coming faster in the banking industry, but while robots are about to take some of the jobs of the manually skilled, AI programs and FinTech disruptors are coming for the brightest and most creative minds. Bottom line: The human factor is here to stay. The current crisis has intensified several existing megatrends in finance, including digital transformation and sustainability. Lockdowns imposed by authorities around the world have changed consumers' habits, providing a big boost to FinTech players everywhere. Even in countries that have partially reopened, platforms which used to be the daily options of millennials for shopping or making payments – such as e-commerce, digital payments, and mobile banking apps – have become the popular choice of the older generation's customers.