The pandemic was the ultimate stress test of business resiliency. For merchants, rebuilding smarter means creating flexible digital infrastructure that can adapt to a default state of rapid change. They need to be agile as we move closer to a cashless society.Crafting digital payment solutions for consumers is just the tip of digital transformation. From B2B payments to payment analytics, 2020 showed merchants that digital transformation isn’t something they can put off anymore.Rebuilding our economies and businesses starts with a clear-eyed understanding of what’s changed and where commerce is heading.