In 2020, several macro trends consolidated and continued to define a new context for banking play – ESG, next gen consumers, cloud & AI as driver and accelerator of new business models, IOT & increased smart technology. Covid has accelerated a number of behaviors – many will be irreversible. This is specially relevant in the Financial services space, experiencing the biggest change since the invention of money, where new technologies are disrupting currency, payments, invoicing, wealth management. This opens doors for this sector to offers attractive profitable and scalable opportunities, and particularly given birth to its own category, fintech.