The financial trend that we can expect in the year 2022 is legacy modernisation. upGrad believes that the infrastructure, as well as the applications, will have big themes and be modernised across banking, insurance, and capital firms in 2022. Many businesses have laid the groundwork for strategic data platforms, which will allow them to better access and leverage existing datasets while also benefiting from the increasing availability of external third-party data. This will assist firms in generating business insights. Using secured distributed ledgers, decentralised finance facilitates financial activities such as trading, lending, and investing.