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Cloud computing has transformed from an efficiency play to a true growth driver for many financial services organizations. In this edition we examine expectations of cloud and its potential applications through the lens of a joint Capco and Wipro global study, which takes a deeper look at the financial services data collected in Wipro FullStride Cloud Services’ 2021 global survey. The edition also explores digital assets and decentralized finance, including central bank digital currencies and bitcoin’s impact on the environment.