Chief among EY blockchain lead Paul Brody’s predictions for 2021: Financial institutions will bring decentralized finance (DeFi) to a consumer audience. "If I had to make a bold prediction," Brody told CoinDesk last week, "I think by the end of 2021, at least one major financial institution will up the game on everybody else by offering some form of consumer DeFi, accessible through their single transactional window to a large consumer base."