During the last few months, COVID-19 has reshaped our society in an intense way and we are currently

in the process of creating and adjusting to the new normal. Shifts have been witnessed in how we work,
how we shop, how we learn, how we keep ourselves entertained, how we perform religious obligations,
how we celebrate our festivals and how we remain in contact with our families. During this pandemic,
the digital tools have been at the forefront of keeping people safe and helping our economy survive.

This novel situation has highlighted and proved the importance of a business’s digital presence in today’s
world. All over the world, consumers are turning to brands that have digital platforms for buying
products so that they can shop safely from their homes. All countries are using digital platforms for
provision of health care advice, educational and banking services to the people during these critical
times. Pakistan is also fighting the battle against this deadly virus and it is causing serious threats to the
already ailing economy of Pakistan. Unfortunately, Pakistan is lagging behind in the adoption of various
digital opportunities developed for businesses in the era of Industry Revolution 4.0. Majority of the
industries such as education, Fast Moving Consumer Goods (FMCGs), etc. are operating through vast
brick and mortar networks due to the lack of substantial digital presence. This also holds true for our
banking sector.