“With the continuing pandemic and challenges from social unrest, 2021 will be a year of certain change in which financial services leaders will need to quickly adapt to shifting market forces as they have over the past year. Aligning priorities and investments to what consumers need most to navigate their changing world will be critical for financial services organizations to remain successful, relevant and competitive in the coming year.” --Karl Dahlgren, managing director with BAI, Chicago.

Good morning and happy Monday! Congratulations—you’ve almost made it to Thanksgiving—which, considering how this year has gone, is worth giving thanks indeed.