The coronavirus outbreak has drastically impacted people, organizations, and the global economy as a whole. Like most other industries, banking has experienced a wave of changes throughout 2020, with Credit Unions having to adapt to navigate this unprecedented year – from managing the abrupt rise in tickets, complying with ever-changing guidelines and recommendations from health departments, to finding ways to serve customers flocking to digital channels… Not to mention market volatility and increased uncertainty. Where 52% of consumers visited the branch regularly before pandemic in late March, today only 8% prefer going to the branch office, driving a drastic shift from physical branch to the digital branch.