In this interview, we discuss both company’s reactions to the COVID-19 pandemic, including how Fiserv’s digital agenda was impacted by COVID, how the pandemic forced Fiserv to react at a speed significantly faster than before, and how Subway franchises innovated and solved problems to keep their businesses sustainable throughout. We also discuss why Subway is looking to react to the current marketplace rather than try to predict it, the permanent changes that will result from COVID-19, such as the digital transformation we are seeing in the office, among a variety of other topics.