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By now, Americans across the country have seen makeshift signs at cash registers requiring exact change or “offering” to change coins for bills, free of charge.

A few Chick-Fil-A locations have even begun offering a free sandwich to customers who bring in $10 of coins, to replenish their cash drawers. There have also been reports of some institutions offering an extra $5 for every $100 of rolled coins.

The “national coin shortage” has become so severe, the Fed has convened a task force to identify solutions and limit the economic impact.

Loan acquisition is not a new topic in boardrooms by any stretch, but priorities will likely shift (or have already) in the upcoming months given the effects of COVID-19. Still, efficient access to credit remains a critical component of any economic recovery. Assuming some short-term retrenchment, automated credit decisioning will continue to play a critical role in financial institutions’ toolkits.