Joy Macknight is editor of The Banker. Founded in 1926, published by the Financial Times, the monthly magazine is the go-to industry source. After a long career in financial journalism, she joined in 2015 and was promoted to editor five years later - the first woman to hold the job in 95 years. In this in-depth interview, Joy discusses the significant economic challenge the pandemic has brought - and just how difficult the next few years could be; shares how the industry is dealing with a generational shift in millennials\u2019 expectations - with the future of retail banking \u201chyper-personalised and digital-first;\u201d and argues the sector needs to accelerate progress made on growing female leadership - suggesting practical ideas to help make it happen.