The coronavirus pandemic has pushed digital adoption five years into the future, prompted banks to invest more in technology and could set the stage for fintech and bank mergers later this year. In the episode, Todd Baker, senior fellow at Columbia University and managing principal of Broadmoor Consulting; Phil Goldfeder, senior vice president of public affairs at Cross River Bank; and Greg Smith, managing director at fintech-focused investment bank FT Partners, discuss how the coronavirus has changed the way customers access financial services and increased the possibility of mergers between banks and fintechs. The episode also features commentary from executives at Citigroup and Fifth Third about the accelerated pace of digital adoption in recent months.