The Covid-19 pandemic has dramatically transformed the way we do business, and one of the pandemic’s greatest impacts has been on fintech. Tens of thousands of businesses and millions of consumers began using contactless payment systems that have allowed them to stay safe. Similarly, e-commerce and delivery platforms like Instacart and DoorDash have grown exponentially because of this trend. Digital commerce, of course, is a key driver for fintech, which is why the fintech sector’s stocks are booming.

Fintech promises to be one of the great growth areas of this decade. Pre-pandemic, the fintech space was estimated to increase to $305 billion by 2025 with a year-over-year compound growth rate of 22%. Post-pandemic, those figures might now be too low: According to research in September, 73% of Americans now consider fintech to be normal, and 67% will continue to manage most of their finances digitally after the pandemic.

As McKinsey & Company put it, we are now in “The Next Normal,” an era of pandemic-driven rapid change. With that in mind, here are three fintech predictions for 2021.