The COVID-19 pandemic has accelerated the digital transformation of finance, with fintech companies playing a significant role in government stimulus programs and providing access to loans and cash management services. Updated financial inclusion rules are driving banks to adopt more technology to serve underserved markets, creating opportunities for fintech companies to provide digital reach and scalability. Meanwhile, workplaces are becoming financial wellness hubs for employees, with policy changes allowing small employers to band together to offer joint retirement plans and providing new market opportunities for fintech to reach non-traditional workers with targeted financial solutions.