The Finance Industry is facing lot of challenges as well as opportunities. It is very important to keep updated not only about local industry but International developments also. We have seen in case of covid 19 that a remote event in china affected the entire world.  In this issue we have covered articles on Survival of the fittest- The Post Covid Business World by Akhilesh Shukla Digital Payments and Merchant Discount Rate MDR by Gautam Kumar Sagar Institutional Protection Scheme for Urban Co-operative Banks: Lessons from German Co-operative Financial Network by Dr Ashish Srivastava Impact of COVID-19 - Finding new avenues for Business continuity in DCCBs in Telanganal by S. Satyanarayana & G. Eswara Rao Future Prospect of ATM Industry by Rajeev Shankar   We have covered news on Banking,RBI,GST News,Industry,Housing,Mutual Fund,Co-Operative Bank    Besides it covers other interesting features.