In the changed environment wrought by the COVID-19 pandemic, some consumers who had never previously used a financial institution’s digital channel have been forced to become digital adapters. With customers migrating from in-person to digital channels, financial institutions are well advised to better tailor their digital channels’ CX to customers’ attributes.

Overconcentration of economic activity in Tokyo, long regarded as an unhealthy imbalance, has started to show signs of change, largely in response to COVID-19 contagion fears and broader adoption of teleworking. It is important for the government to seize, not squander, this opportunity by mounting a strong policy push to geographically rebalance the economy. Prospective benefits of such rebalancing include revitalization of regional economies through greater utilization of their local resources.

Office workers have migrated en masse to teleworking in response to the global COVID-19 pandemic. This trend will likely continue even after the pandemic has ended. However, because telework typically takes place in isolation from bosses and colleagues, it poses numerous concerns, including the risk of insider fraud or other misconduct. Such concerns can be effectively addressed with KYE (know your employee) controls already widely adopted in the UK and US.