With the worldwide pandemic, consumer behavior has shifted significantly. There has been substantially less travel — employees haven’t been driving to the office, flying on planes, or taking cruises. Many have gone out less, stopped going to movies, and don’t hang out on Friday night after work.

This has caused a major disruption in the financial flow. To survive, many businesses — small and large —have pivoted to bring and scale their businesses online. The result is a tremendous surge in online shopping. Experts suggest that e-commerce has been accelerated on the order of three to five years.