Return to text 2 CNBC, “Coronavirus Crisis Mobile Banking Surge Is a Shift That’s Likely to Stick,” May 27, 2020,  www.cnbc.com/2020/05/27/coronavirus-crisis-mobile-banking-surge-is-a-shift-likely-to-stick.html. Return to text 3 American Banker, “Consumers Are Relying More on Finance Apps, Survey Finds,” September 15, 2020,  www.americanbanker.com/news/consumer-reliance-on-finance-apps-spiked-because-of-coronavirus.
Return to text 4 Michelle W. Bowman, “Empowering Community Banks,” speech at the Conference for Community Bankers  sponsored by The American Bankers Association, Orlando, Florida, February 10, 2020. Return to text  4/4  BIS central bankers' speeches