finally flipped over to 2021. But while the new year has certainly provided a much-needed boost of optimism, it hasn’t changed the fact that many of the same problems caused by COVID-19 have carried over in 2021—including the challenges many credit unions face in providing members with access to remote financial services. That is why the urgency to make strides toward greater digital transformation in 2021 will be amplified for those financial cooperatives that still lack online and mobile transaction services. That was one of the key messages delivered by credit union advocate and technology thought leader Mark Sievewright during a December World Council COVID-19 Response Committee webinar—Driving Digital Transformation in the COVID-19 Era.