Read later Audio version Summary: (Image by mbll from Pixabay ) Cloud computing in banking was vindicated by the COVID-19 pandemic, says Sean Hunter, CIO for OakNorth. OakNorth is both a financial services provider and a FinTech; the London based business uses Amazon AWS infrastructure-as-code for both the bank and its Software-as-a-Service arm. Building a bank on AWS ensured the bank and its Fintech customers had automation and low operational costs required to cope with a pandemic. In banking, OakNorth Bank is a commercial lender for the scale-up and entrepreneur sector that is vital to the UK's economy. According to the small business federation, in January 2020, there were 5.9 million small businesses operating. As a Fintech, OakNorth is the developer and provider of ON Credit Intelligence Suite, a machine learning (ML) data tool for commercial lenders that allows bankers to automate analysis into the relationship, risk and portfolio of loans. Hunter says: