2020 was a year like none other. To date, most if not all economies are still reeling from the impact of COVID-19 – a pandemic that saw millions of people out of jobs, many struggling to pay their bills and children across the world, out of school. Businesses are yet to recover from the economic shocks caused by the pandemic. Speculatively, it will take more than two financial years for business to fully recover the world over. This will also vary depending on how developed a country is.