Ajay Bhalla, President, Cyber & Intelligence, Mastercard.
2020 saw the world move irreversibly toward digital. How we shop, pay and interact have all changed — at first out of necessity, but now those advances are here to stay. This digitalization is not a new trend, but one that accelerated far quicker this past year than anyone could have predicted. In fact, at the beginning of the global lockdown — with businesses facilitating widespread working from home and people reliant on online grocery shopping or video calls to connect with colleagues and family— we vaulted five years forward in