Let’s begin with an understatement: A lot has changed since March 2020. The way we live, work, and carry out our day-to-day activities has changed. Understandably, all industries have seen varying degrees of change.

Customer banking behaviors have changed out of necessity. As financial institutions were required to limit availability of branches, adoption of digital tools soared, and customers became less branch-dependent. Now that branches are increasing their capacity for in-person visits, traffic has yet to return to pre-March levels.