Businesses have been forced to do in days and weeks what would otherwise take months or years: to shift rapidly to remote, multi-site working and adapt to new tools and services. It is the ultimate test of resilience, brutally exposing weaknesses in supply chains and processes. It’s also a crisis that massively favors digital commerce. Amazon’s shares have risen 11% during 2020 against a 15% drop in the broader S&P 5001. Netflix, another business that has been end-to-end digital from the start, has added 16 million subscribers since the start of the pandemic2. The lending industry, for its part, should be experiencing something of a bonanza in the pandemic. In a global economy suddenly starved of revenue and capital, loans are what now makes the business world go round. By mid-April, the UK’s Coronavirus Business Interruption Loan Scheme for Small and Medium-size Enterprises.