Over the last year our whole lives have been turned upside down as the coronavirus has had a devastating effect on most people around the world.

The revolution has spanned multiple dimensions: banking as a profession has shifted from an art to a science;

I was in a couple of branches in central London the week before the outbreak and they were completely empty and this was before the outbreak of the Coronavirus!

It is time to break one of the RBI house rules. It does not happen very often - say about three times over ten years.