How the Pandemic Has Changed Banking – Maybe Forever
COVID-19 has totally changed how we use our money.
By Ann Logue January 17, 2021
Like almost everything else, banking has changed significantly during the pandemic. More Americans than ever are navigating online banking thanks to social isolation, while banks have been placed at the center of the American government's loan program propping up small businesses.
If you've been looking for the best ways to bank in the midst of COVID-19, we've dug into some of the most significant changes for the industry.
More Mobile Banking
In April, banks reported a 200% increase in new mobile banking registrations. Customers used these to deposit checks, track balances, and transfer funds without visiting an ATM or a branch.
In an exclusive GOBankingRates survey, analysts discovered that more than 1 in 10 adults aged 18-54 use online banks, with a full 15.18% of adults between the ages of 25 and 34 doing online banking. (The figure goes down to 6.34% for those between 55-64 age group and 4.19% for those over 65.)
But when it comes to mobile banking – using an app – a staggering 42.93% prefer it between 18-24 years of age, 43.46% for the 25-34 age group, and 33.54% for the 35-44 age group. The figure goes down from there to 8.38% for those 65 and over.
"The split in old vs. young when it comes to banking with an app or banking in person at a branch just comes down to who was raised in which era and with what technology," GOBankingRates associate researcher Julia O'Brien says. "Those who are younger especially (18-24) grew up almost their entire cognizant lives with smartphones and most businesses having an app," she adds.
"So it only makes natural sense that they feel comfortable banking on an app, because most everything they have encountered in life indicates to them that app/mobile banking is just how things are done in a society."
Cash Use is Way Down
Early in the pandemic, there was a concern that coronavirus could be spread on surfaces. As a result, people wanted to use cash less. Some businesses stopped accepting it, and some consumers stopped using it. While the U.S. has a long way to go before it becomes as cashless as say Sweden, using less cash means fewer trips to ATMs or to local bank branches.
Business Banking Relationships Are More Valuable
The Paycheck Protection Program of the CARES Act, the first stimulus, gave businesses funds to keep people on the payroll, but it was done in the form of forgivable loans through qualified Small Business Association lenders. Banks that offer SBA loans – from the smallest banks in the country to major national banks – were inundated with application. Many prioritized their best customers, leaving some businesses shut out of the program, though some banks took this as their opportunity to shine.
Credit Card Travel Perks Lose Value
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Jon Dowling: Currency Reset Coming, XRP, NVIDIA, Iraq, and More
Chris Real World: 11-13-2026
In a recent and thought-provoking podcast episode hosted by Jon Dowling and featuring Rob Cunningham—a former Air Force veteran and commercial pilot—the conversation dives deep into the complex mechanics driving a pending global financial reset.
One of the primary focal points of the discussion is the mounting pressure within international markets, highlighted by economic indicators coming out of Asia. Specifically, Japan’s recent Producer Price Index (PPI) inflation surge to an unexpected 7.1% serves as a compelling indicator of broader systemic stress.
Derivatives Will Explode, Gold & Silver Will Find Their True Value | Bill Holter
Liberty and Finance: 11-14-2026
The AI bubble is beginning to burst, and the credit markets may be signaling trouble before the stock market catches on.
Bill Holter warns that a much larger financial reckoning is approaching, potentially involving a market collapse, multiple currency resets, and the failure of the derivatives system.
He explains why gold and silver remain essential forms of wealth protection, arguing that silver is dramatically undervalued relative to gold and its historical monetary role.
Dollar Rises In Baghdad, Erbil Markets
2026-11-14 02:42 Shafaq News- Baghdad/ Erbil The US dollar opened Saturday’s trading higher in Iraq, hovering around 169,000 dinars per 100 dollars.
According to a Shafaq News market survey, the dollar traded in Baghdad’s Al-Kifah and Al-Harithiya exchanges at 169,350 dinars per 100 dollars, up from the previous session’s 169,150 dinars on Thursday.
Crypto Shakes Out The Weak As A Trustee Won’t Let Politicos Wet Their Beak
White Hat Auxiliaries Briefing #231
By whitehatauxiliaries November 13, 2026
Greetings Citizens!
Thank you for your patience. World events being as they currently are, we allowed time for as much of the dust to settle before moving on. We will most likely have one more very brief feature before the end of this year. We start first with comments and opinions from London, then on to the rest.
TNT:
Tishwash: Washington accuses Tehran of using militias to plunder Iraq's wealth.
The US State Department accused Iran of using Iraqi armed factions, primarily Kataib Hezbollah, to plunder the wealth of the Iraqi people, weaken the economy, and undermine the country's sovereignty, stressing that it will continue to target the financing networks of these groups .
A spokesperson for the US State Department told Sky News, as reported by Al-Sa’a Network, that “these factions use the proceeds of corruption to serve their own agendas and Tehran’s regional agenda.”
Bix Weir - The Golden Age Was Planned A Long Time Ago, Hidden Gold Will Be Used For The New System
X22 Spotlight Report: 11-13-2026
The economic transition unfolding globally is depicted as a battle between the failing old guard of central banks and a rising new system championed by figures like Trump, who is implementing tariffs, exposing fraud, and targeting the Federal Reserve for dismantlement.
The exposure and collapse of the Great Reset agenda—characterized by scams like the green new deal that have devastated economies such as Germany's with soaring energy costs and remote control over infrastructure—contrasted with the Great Awakening, where unity, accountability, and reversals like domestic oil discoveries and deportation policies lower costs and reclaim national sovereignty.
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
Web3.0 ISO20022: The Quantum Privacy Layer has been (allegedly) Activated
THE QUANTUM PRIVACY LAYER HAS BEEN ACTIVATED
A quantum infrastructure coordination office sent an internal activation confirmation through the encrypted channel at 13:07 EST.
It said: “Quantum privacy layer active. ISO 20022 integration complete. Starlink nodes synchronized. Project Odin online.”
US Investigates FAA Outage, No Attack Signs Yet
2026-11-13 / 14:54 Shafaq News- Washington US Homeland Security Secretary Markwayne Mullin said on Friday that authorities had found no signs of a deliberate attack behind the communications outage that halted flight departures nationwide.
Speaking at the White House, Mullin explained that some air traffic control communications remained operational, but the outage had placed additional pressure on other parts of the network. He also dismissed a possible connection to an earlier Microsoft services outage, treating the two incidents as separate problems.
Good Morning Dinar Recaps,
GLOBAL PAYMENT RESET WATCH: THREE CENTRAL BANKS DEMONSTRATE CROSS-BORDER CURRENCY SETTLEMENT ACROSS DIFFERENT SYSTEMS
The United Kingdom, Singapore and Thailand have successfully demonstrated how different financial systems can work together to settle international currency transactions more safely and efficiently.
Friday Night Video
FRANK26…..11-13-26…..THE GAP / THE APP
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Why Gold Is Falling While Central Banks Keep Buying | World Gold Council’s Joe Cavatoni
Kitco News: 11-13-2026
Gold fell as much as $135 an ounce on Nov. 12 to a new low for the year, even as central banks keep buying.
The World Gold Council estimates central banks bought 321 tons last quarter, but only 120 tons was reported, leaving 63% undisclosed.
Joe Cavatoni, the council's senior market strategist for the Americas, said the most active buyers "are either not reporting or reporting late," and that central banks tend to step in when prices dip. He said gold "overshot" in January and that the pullback is closer to what the council expected.
Rob Cunningham: XRP, the Global RV, and the Architecture of Sovereign Money
11-13-2026
XRP, the Global RV, and the Architecture of Sovereign Money
If the objective is a globally decentralized monetary system built on honest weights and measures, national sovereignty, transparent accounting, and voluntary exchange, then the critical question becomes:
“How can sovereign nations exchange enormous amounts of value, across different currencies and financial systems, without surrendering monetary sovereignty to a centralized intermediary?”
Bruce’s Big Call Dinar Intel Thursday Night 11-12-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everybody, to the big call tonight. One hour earlier than normal. I hope everybody got the memo. If not, you're listening to the recording, and it really doesn't matter, does it? So, welcome everybody tonight. We're doing the call an hour early tonight because of President Trump's speech at 9o'clock Eastern tonight, and I wanted to complete the call in one hour so that everybody would have an opportunity to see his speech tonight.
Good Afternoon Dinar Recaps,
GLOBAL BANKING RESET WATCH: HONG KONG ADVANCES 24/7 TOKENIZED SETTLEMENT AS DIGITAL FINANCE MOVES TOWARD COMMERCIALIZATION
Hong Kong is moving digital finance closer to everyday commercial use as banks and regulators advance round-the-clock settlement of tokenized deposits and financial assets.
MilitiaMan & Crew: The Digital vs Physical Control Shift You Need to See
11-13-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
Iraqi Dinar news update for November 12. We are analyzing the latest administrative documentation regarding digital and physical controls.
This update focuses on the ongoing shift toward formal channels as we review the specific papers detailing recent fiscal policy adjustments. By examining these documents, we can better understand how the central bank is managing the technical side of banking operations and the broader adjustments being made to improve operational efficiency within the financial system.
Web3.0 ISO20022: US Systems are Showing Real-time Strain
U.S. SYSTEMS ARE SHOWING REAL-TIME STRAIN
What people are experiencing right now is no longer isolated.
Across the United States, users are reporting:
• Delayed bank transfers and pending transactions lasting longer than normal
• Major carriers experiencing temporary signal instability in key cities
• Stock market volatility spikes without clear explanation
• Payment processors flagging and re-routing transactions
KTFA:
Clare: A report analyzes the dollar crisis: 14 reasons driving the rise of the parallel market rate and widening the price gap in Iraq.
11/12/2026
The head of the “Iraq Future” Foundation for Economic Studies and Consultations, economist Manar Al-Obaidi, identified on Thursday a set of main reasons that drive the increased demand for the dollar in the parallel market, and the pressure to widen the gap between the official and unofficial prices in Iraq.
Reset Intelligence: What Are They Getting Us Ready For?
By Reset Intelligence | @EXIT_FIAT
On Thursday, Microsoft's work email and apps went down across regions, and late into the night it still could not say why. Amazon and Google said their own systems were running normally.
It is the latest break in a month of them. Japan's largest carrier, NTT Docomo, lost phone service twice, and schools across Italy, Ireland, Scotland and Northern Ireland got the same emailed bomb threat.
US Dollar Rises In Baghdad And Erbil
2026-11-12 09:11 Shafaq News- Baghdad/ Erbil The US dollar closed Thursday’s trading higher in Baghdad and Erbil, hovering around 169,200 dinars per 100 dollars.
According to a Shafaq News market survey, the dollar traded in Baghdad’s Al-Kifah and Al-Harithiya exchanges at 169,250 dinars per 100 dollars, up from the morning session’s 169,150 dinars.
KTFA
Saturday Night Video
FRANK26….11-14-26….THE MISSING…..PEACE
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#