2020 has been a year fraught with a wild goose chase for fiscal sanity. As the global economy grappl...: 2020 has been a year fraught with a wild goose chase for fiscal sanity. As the global economy grapples with a massive instability owing to the Covid 19 pandemic, the Financial Services (FS) sector, in particular, seeks to trudge off the beaten track to rediscover value and substance. Leading banks around the world are undertaking restructuring and cost reduction exercises in the same vein as they are dabbling with innovation, more so, along their customer facing promenades.