For the first half of this episode, we travel back to a simpler time before the mass disruption of normality from the COVID-19 pandemic-- just 4 weeks ago. Greg Palmer spoke with JP Nicols in late February about the tech-driven advancements he is seeing on the frontlines of innovation from the Finovate stage and contrasts that to consumer adoption trends. In the second half we find ourselves in a world where social distancing is the new normal. Scarlett Sieber from CCG Catalyst Consulting Group reflects on the obstacles the financial services industry and fintechs are currently facing and will continue to face in the weeks and months to come.