The coronavirus pandemic is transforming how employers, real-estate services providers, and landlords are thinking about the office.Architects are already laying out the floorplans of the near-future. And companies are rethinking how much office space they really need.Many experts see the very concept of the office transforming from a place you go every day to more of a hub for high-stakes meetings and collaborative work.Business Insider has talked with dozens of experts to learn what offices will look like when you go back to work, and what it will take to return to normal.Visit Business Insider's homepage for more stories.The coronavirus pandemic is proving to be a huge catalyst that's transforming how employers, real-estate services providers, and landlords are thinking about the office.Top

The Members Exchange just received approval from the US Securities and Exchange Commission to operate as a national securities exchange.As a result, the startup exchange said it's on track to go live during the third quarter of 2020. MEMX is backed back some of the biggest firms are on Wall Street, including JPMorgan, Goldman Sachs, and Charles Schwab. Click here for more BI Prime stories.An upstart stock exchange backed by some of Wall Street's biggest names just got approval from the industry's top regulator.The Members Exchange, a startup exchange backed by JPMorgan, Goldman Sachs, Morgan Stanley, and Charles Schwab, among others, said on Tuesday it received approval from the US Securities and Exchange Commission to operate as a national securities exchange.MEMX's approval comes less than

Technology is shattering legacy financial systems that can't keep pace with market demand — and Brex is at the forefront. It's one of fintechs buzziest startups, aiming to rebuild B2B financial products starting with corporate cards for technology companies.The company was quietly launched in 2017 by Henrique Dubugras and Pedro Franceschi, two 22-year-old engineers who previously founded Pagar.me, one of Brazil's largest payment processors.Brex already has more than 1,000 customers signed up with the help of backing from investors including PayPal co-founders Peter Thiel and Max Levchin, early Facebook investor Yuri Milner, former Visa CEO Carl Pascarella, and esteemed startup incubator Y Combinator.And we caught a glimpse of the Series B pitch deck Dubugras and Franceschi used to win them

Bank of America has downgraded the ratings for four of India’s largest banks — the State bank of India (SBI), Bank of Baroda, IndusInd Bank and ICICI Bank. The emerging cycle of non-performing assets will be the ‘biggest nightmare of 2020’ according to Paytm founder Vijay Shekhar Sharma.Bank of America’s downgrade follows in the footsteps of UBS and CLSA, who also slashed their expectations from banks.According to Sharma, the rise of bad loans is likely to spillover beyond banks to the fintech sector where a large number of startups have been giving out small unsecured loans.Indian banks had barely cleaned up the massive pile of unpaid loans from the country’s corporates, the coronavirus pandemic is barrelling into an economic crisis that may bring a fresh wave of non-performing assets (NPA)

Private equity giants like KKR, the Carlyle group and others are interested in acquiring a controlling stake in JB Chemicals, a little-known pharma company in India.Although JB Chemicals is a small player in the Indian pharma industry, it has built four strong brands and has market leadership in three of them, which has resulted in industry-beating growth.Some of the popular brands that JB Chemicals owns include Metrogyl, Rantac, Cilacar and Nicardia – driving 80-85% of the company’s India formulations revenue.JB Chemicals, a little-known pharma company in India with a market capitalization of ₹4,600 crore is reportedly on the radar of private equity giants around the world. This has sent the stock to an all-time high of ₹621 in intra-day trade.JB Chemicals is a relatively small player when

Yes Bank reported a net loss of ₹3668.33 lakh during the fourth quarter.Between 40% to 45% of its borrowers have opted to exercise the three-month moratorium on loan repayments issued by the Reserve Bank of India.The bank expects deposits to erode further once the moratorium lifts and its customers withdraw their funds to pay off loans.Over the last year, Yes Bank deposits half shrunk to half their original size.Yes Bank posted a net loss of ₹3668.33 lakh in its fourth-quarter earnings amounting to a total loss of ₹16,418 crore for the financial year 2019-20. However, with the onset of the coronavirus pandemic and the ensuing lockdown, the bank is far from being out of the woods just yet. “The extent to which the COVID-19 pandemic will impact the bank's future results will depend on related

Welcome to Power Line, a weekly energy newsletter brought to you by Business Insider.Here's what you need to know:Want to get this newsletter in your inbox every Friday? Sign up here. Got a tip or feedback about this newsletter? Email energy@businessinsider.com. Don't forget: Sunday is Mother's Day. Happy Friday, folks! I am delighted to announce that earnings season is mostly over — which means nearly all the top energy execs have revealed new details about how their firms are faring. More on that below. Other things that delight me include hand blenders, plucking carrots out of the ground, tempeh if cooked right, and last year. Let's get to it, starting with an update on oil. 75634682A timeline for the recovery of oil markets The term "recovery" may still be premature, but at least some

ICICI Bank’s fourth-quarter core operating profits are in the green at ₹1,221.36 crore, a jump of 26% over the Jan-March quarter. For the entire year, the bank’s profit after tax grew by 136% to ₹7,931 crore.Even though many expect the ratio of bad loans to increase in the near term once the Reserve Bank of India’s (RBI) moratorium on repayment of loans ends, ICICI Bank’s net non-performing assets (NPAs) decreased from 2.06% in March 2019 to 1.41% in March 2020.

Everton arrived at Ewood Park on Thursday evening with the intention of unveiling their £40million record signing to the fans who travelled from Merseyside.

Adam Armstrong has completed a permanent move to Blackburn from Newcastle. The 21-year-old enjoyed a fine spell at Ewood Park on loan last season scoring nine goals.

The tie will see Foxes striker Jamie Vardy play against his former side. He joined Leicester from Fleetwood back in 2012. Manuel Pellegrini's West Ham will also travel to League One opposition.

The Premier League is even more cosmopolitan with the arrival of Wolves, Cardiff and Fulham. That's because the men bankrolling the three new additions are from China, America and Malaysia.

Jack Rodwell's contract at Sunderland, which would have dropped from £73,000-a-week to £44,000 this season, was cancelled in June.

Rodwell has joined Blackburn Rovers on a deal until the end of the season. The 27-year-old was a free agent after his Sunderland contract was cancelled.

Rodwell, who played his last game for Sunderland ten months ago, has signed a deal with The Championship club until the end of the season in a bid to get his career back on track.

Sunderland outcast Jack Rodwell is ready to be reinvented at Blackburn Rovers so he can get back to his early success when he won three England caps and a Premier League title.

Nottingham Forest striker Ben Brereton has agreed personal terms with Blackburn Rovers ahead of a proposed £6million transfer, Sportsmail understands.

Blackburn Rovers have completed the loan signing of Nottingham Forest striker Ben Brereton on an initial loan which can be made permanent on January 1, 2019.

Sportsmail provides you with everything you need to know for the Carabao Cup third round including time, date and channel plus teams, rule changes and odds.

Thirty-two teams will entered the Carabao Cup third round draw as the competition heated up with the addition of top-flight clubs. Relive Sportsmail's coverage

Liverpool have been pitted against Chelsea in a mouthwatering Carabao Cup third round tie. Meanwhile, Frank Lampard will take his Derby side to face Jose Mourinho.

Three Championship wins on the bounce and the scoring return of record buy Famara Diedhiou after his six-game ban for spitting were just two of the bonuses heading into the international break.

Bradley Dack's elegant 76th-minute flick looked to have settled proceedings on his 50th appearance for the club, but Villa got their rewards in the third minute of added time through Hourihane's precise effort.

LAURIE WHITWELL AT PRIDE PARK: Southgate shunned the Champions League in favour of the Championship on Tuesday night but was rewarded with a vibrant display by 19-year-old Mason Mount.

Middlesbrough missed the chance to climb to the top of the Sky Bet Championship after Swansea left the Riverside Stadium with a well-earned point from a goalless draw.

Sportsmail provide you with everything you need to know for the Carabao Cup third round including TV coverage and fixtures plus VAR matches and key dates whcih will feature top-flight clubs.

Manchester United take on Derby County in the Carabao Cup third round as Jose Mourinho takes on a player he used to manage in Frank Lampard. Follow all the matches with Sportsmail.

ADAM SHERGOLD AT THE VITALITY STADIUM: Wilson rose from the bench to spare Bournemouth’s blushes after they chucked away a two-goal lead against Blackburn.

Rhodes hit a hat-trick as Norwich City won a 4-3 thriller away at Wycombe Wanderers on Tuesday night. The Canaries raced into the lead with two of Rhodes' goals coming in the first 15 minutes.

MIKE WHALLEY AT EWOOD PARK: This was the night when Sheffield United made a serious statement of intent in the Championship promotion race.

Wolverhampton Wanderers have received plenty of deserved plaudits on their return to the top flight, with some going as far as to call them the best newly promoted side in Premier League history.

The Premier League of 1992-93 - the first season after the split from the Football League - feels a world away from the glitz and sheen of today. Just look at the kits, for example. 

Lauded as the best coach in the world, by Pep Guardiola no less, Marcelo Bielsa conceded both the points and the tactical battle here to leave Leeds in familiar territory.

Middlesbrough held on to top spot in the Championship despite being held to a goalless draw by struggling Rotherham who staged a remarkable defensive display.

Conference Premier high flyers Solihull Moors, managed by Tim Flowers, need to beat League One Blackpool in a replay at Bloomfield Road next Tuesday in order to face Unai Emery’s side.

NEIL POINTON AT EWOOD PARK: Pukki was Norwich City's hero yet again as he swept home a late winner to send the Canaries flying to the top of the Championship on Saturday night.

Arsenal's trip to League One side Blackpool on Saturday evening heads the list of late kick-offs in the third round of the FA Cup. Join ROB SUMMERSCALES for all the live action.

Sportsmail provide you with everything you need to know for the FA Cup fourth round draw including date, time and channel plus the ball numbers and teams through so far.

Blackburn boss Tony Mowbray believes Bradley Dack is too good to be 'languishing in the middle of the Championship' - and he is right. How Newcastle must give him the platform he clearly deserves.

There are still four spots up for grabs in the fourth round of the FA Cup and three of those will be decided on Tuesday night. Follow all the LIVE action from around the grounds with Sportsmail.

CRAIG HOPE AT EWOOD PARK: Newcastle booked their place in the fourth round of the FA Cup thanks to extra-time goals from Joselu and Ayoze Perez on Tuesday evening.

CHAMPIONSHIP ROUND-UP: Sheffield United kept the pressure on the top two in the Championship courtesy of a 2-0 victory over Bolton at Bramall Lane.

CHAMPIONSHIP ROUND-UP: Derby have maintained their push for promotion after they overcame Hull while Bristol City continued their winning streak in the league.

Nelson Oliveira scored a late winner as Reading boosted their Sky Bet Championship survival hopes with a 2-1 victory over Blackburn.

ALAN BIGGS AT EWOOD PARK: Middlesbrough have strengthened their hold on a Championship play-off spot, climbing above Bristol City into fifth place with victory against Blackburn.

Danny Graham reached a half century of goals for Blackburn as they comfortably saw off relegation-threatened Wigan. The 33-year-old forward achieved the milestone with the opener.

Che Adams, Teemu Pukki and Billy Sharp have been named as the three players who will contest for the award while a number of other EFL awards and shortlists have been revealed.

Tony Pulis paid tribute to Middlesbrough's players for holding their nerve after a 1-0 victory over Stoke put them into the play-off spots again. Britt Assombalonga grabbed the winning goal.

Southampton got off to the perfect start at Watford on Tuesday when Shane Long fired them ahead after just seven seconds. Sportsmail takes a look at the Premier League's top-10 quickest ever strikes...

Tyler Magloire's pace not only puts him ahead of Paris Saint-Germain star Mbappe, but it also beats Usain Bolt's average speed when he set the 100m world record in Berlin back in 2009.