This document discusses the impact of COVID-19 on the tourism and banking sectors. It outlines how the pandemic has reduced cash reserve ratios and bank rates to address liquidity issues and rising default rates in banking. Challenges for banks include supporting fast online services, managing customer needs and liquidity, and balancing economic interests. Recovery strategies involve monetary and fiscal policies to increase money supply and control inflation. Long term effects may include sustained low interest rates and increased digitalization across the banking industry. The conclusion emphasizes building resilience in tourism and focusing on customer needs for banks during this uncertain period.