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The value of disruptive innovations can be apparent for decades before they are widely adopted. Regulatory frameworks and the inertia of market incumbents can dramatically slow the progress of such innovations. However, those same inhibitors can be quickly swept away by the urgent needs of consumers and businesses in moments of crisis. The COVID-19 pandemic has highlighted critical gaps in the processes, infrastructures, and business models of financial institutions; gaps that banks and regulators will rapidly need to address. In this session, author and investor Zachary Karabell will identify the key areas within financial services that are most likely to see massive transformation within the next three to five years.