With that ongoing digital transformations across the world, Its is said that the transition is likely to unlock Kenya Sh7.4 trillion and according to the recent survey in Kenya the online transactions will increase by four times in the financial sector and biggest beneficiary is the financial sector. This has highly ben contributed to by the covid-19 pandemic which led to the governments recommending going cashless to help contain the virus. Do you think that people will return to normal after the pandemic is over