Preliminary
2020 was a difficult year and was also a turning point year in accelerating world change towards accelerating new technologies. Where many things have changed as has been said in these articles:
So in 2021-2022 is the year of adjustment of human life to the accelerated process of world change with the acceleration of technology. One of the things that are felt is the changing patterns of technology use in human life, one of which is financial technology, investment, shopping, payments, and conducting online meetings.
This may still be a bit difficult and uncomfortable in the middle of 2020, especially when things that are not considered disrespectful are normal and even become the main requirement for everyone. This makes people increasingly accelerate the race to keep up with the acceleration and adapt to changing world with existing technology.

