European banks have experienced a significant point-of-no-return-moment while spinning back from Covid-19 crisis, an unimaginable global health and economic disruption of our time. The financial leaders must re-think their role in society as well as how they respond to their customers’ new needs within personal financial management and payments systems. Banks have had to demonstrate new ways of working and new ways of innovating, showing what is possible in creating no-touch, remote services.