Among the technologies emerging as critical to future transformation and supporting the increasingly important role of resiliency in transformational strategy, there is a growing overall acknowledgement in the ability of cloud to add resiliency and efficiency to the bank's operations. 2021 will see an accelerated modernization of infrastructure, including an accelerated adoption of the cloud platform by institutions that want to maintain relevance in markets where the gap between modern institutions and lagging institutions will have serious implications on the latter bank's future.