Taken together, new technologies and financial products are blurring the lines between investing, consuming, experiencing, and participating. COVID was a catalyst; will the shift persist?

In industry after industry, digital is gobbling up market share. In wine for example, US online sales gained over 20 points of share within two weeks of lockdown. What it took grocery in the UK 20 years to achieve, US wine did in 21 days. And fintechs offer many of the same benefits – speed, innovation and digital distribution.