There are endless examples of how this played out. Faced with branch closures, for instance, banks made huge digital investments to allow customers to communicate with them on the digital channel of their choice and to perform transactions online. The need to quickly adapt to the pandemic dramatically accelerated the digital transformation already underway across the economy. In fact, a survey by McKinsey & Company at the end of 2020 found that the pandemic sped up the digitization of internal operations and customer and supply chain interactions by three to four years.

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