The EU has been gradually introducing climate-friendly laws and regulars over recent years, to aid the attainment of its goal of carbon neutrality by 2050. This law was passed as the Climate Change Act in 2008, but recent events in terms of the effects of climate change have contributed towards the drafting and passing of further laws. The latest of these aims to end the selling of cars with combustion engines (that is, those powered by petrol or diesel) by 2035. Along with this, the plan aims to reduce emissions from international flights by gradually beginning to raise taxes on certain types of fuel.

The use of passenger cars within the EU is currently responsibly for 12% of total EU carbon emissions, meaning that the implementation of this bill will contribute greatly towards the continent’s aim to become carbon neutral. It will, however, require the building of new infrastructure: charging stations for electric cars, which are expected to replace petrol and diesel cars, must be built along public highways.

To some car manufacturers, the introduction of this law poses a logistical challenge, as it would require a 55% cut in carbon dioxide emissions from new vehicles over the next decade, and eventually a 100% cut, effectively banning the vehicles that comprise most of their product ranges. As a result, many are turning towards the production of electric cars as a viable alternative to keep their companies afloat, and existing electric vehicle manufacturers are receiving financial boosts.

The exhaust fumes and other particulates released in the combustion of petrol or diesel are widely believed by scientists to be a major factor in global warming – carbon dioxide, carbon monoxide, and nitrogen oxides are three of the most harmful gases released. As these then move into the atmosphere, the pollutants can cause direct harm to people who breathe them in or are simply close to them. These health problems range from skin irritation and allergies to respiratory problems, and some evidence suggests that long-term exposure to particulates can increase a person’s risk of lung cancer.

Source: www.msn.com

In 2021 we will see rapid changes in top technological and business innovation - all based on people's experience during the pandemic. Here are a few technology and business trends we will see in 2021.

Drug development revolution with advanced Covid-19 testing and vaccine development

Covid caused a major shakeup in the drug industry, making it quicker and easier to trial drugs. Researchers have put many traditional clinical trials on hold, or they have shifted to a virtual structure by performing consultations online and collecting data remotely.

Continued expansion of remote working and videoconferencing

This area has seen rapid growth during the pandemic, and it will likely continue growing in 2021. 

Zoom, which grew from a startup in 2011 to going public in 2019, became a household name during the pandemic. Other existing large corporate tools such as Cisco's Webex, Microsoft's Teams, Google Hangouts, GoToMeeting, and Verizon's BlueJeans are also providing state-of-the-art videoconferencing systems, facilitating remote work across the globe.

Many new ventures are emerging in the remote working sector. Startups Bluescape, Eloops, Figma, Slab, and Tandem have all provided visual collaboration platforms enabling teams to create and share content, interact, track projects, train employees, run virtual team-building activities, and more. 

These tools also help distributed teams keep track of shared learning and documentation. Users can create a virtual office that replicates working together in person by letting colleagues communicate and collaborate with one another easily. 

Contactless delivery and shipping remain as the new normal 

No-contact delivery is the new normal. DoorDash, Postmates, and Instacart all offer drop-off delivery options, reportedly borne from customer desires to minimize physical contact. Grubhub and Uber Eats also grew their contactless delivery options and will continue to do so in 2021. 

China is not the only country looking to push robotic deliveries into its next phase. U.S.-based startups Manna, Starship Technologies, and Nuro are tackling this problem using robotics and artificial intelligence-based applications.

Telehealth and telemedicine flourish 

Institutions, especially in health care, are working to lower the exposure of Covid-19 to patients and workers. Many private and public practices have started implementing more telehealth offerings such as doctor-patient video chats, A.I. avatar-based diagnostics, and no-contact-based medication delivery.  Beyond telehealth, in 2021 we can expect to see health care advancements in biotech and A.I., as well as machine learning opportunities (example: Suki AI) to support diagnosis, admin work, and robotic health care.

Increased development of 5G infrastructure, new applications, and utilities

There is no doubt that demand for higher-speed internet and a shift toward well-connected homes, smart cities, and autonomous mobility have pushed the advancement of 5G-6G internet technology.

Many telcos are on track to deliver 5G, with Australia having rolled it out before Covid-19. Verizon announced a huge expansion of its 5G network in October 2020, which will reach more than 200 million people. In China, 5G deployment has been happening rapidly. But Ericsson is leading the charge globally. There are more than 380 operators currently investing in 5G. More than 35 countries have already launched commercial 5G services. 

Development of 5G and 6G technology will drive smart-city projects globally and will support the autonomous mobility sector in 2021. 

A.I., robotics, internet of things, and industrial automation grow rapidly

In 2021, we expect to see huge demand and rapid growth of artificial intelligence (A.I.) and industrial automation technology. As manufacturing and supply chains are returning to full operation, manpower shortages will become a serious issue. Automation, with the help of A.I., robotics, and the internet of things, will be a key alternative solution to operate manufacturing. 

Virtual reality (VR) and augmented reality (AR) technologies usage rises

Augmented reality and virtual reality have grown significantly in 2020. These immersive technologies are now part of everyday life, from entertainment to business. The arrival of Covid-19 has prompted this technology adoption as businesses turned to the remote work model, with communication and collaboration extending over to AR and VR.

The immersive technologies from AR and VR innovations enable an incredible source of transformation across all sectors. AR avatars, AR indoor navigation, remote assistance, integration of A.I. with AR and VR, mobility AR, AR cloud, virtual sports events, eye tracking, and facial expression recognition will see major traction in 2021. Adoption of AR and VR will accelerate with the growth of the 5G network and expanding internet bandwidth.

Companies like Microsoft, Consagous, Quytech, RealWorld One, Chetu, Gramercy Tech, Scanta, IndiaNIC, Groove Jones, etc. will play a significant role in shaping our world in the near future, not only because of AR's and VR's various applications but also as the flag carrier of all virtualized technologies.

Continued growth in micromobility

While the micromobility market had seen a natural slowdown at the beginning of Covid-19 spread, this sector has already recovered to the pre-Covid growth level. E-bikes and e-scooters usage is soaring, since they are viewed as convenient transportation alternatives that also meet social distancing norms. Compared to the pre-Covid days, the micromobility market is expected to grow by 9 percent for private micromobility and by 12 percent for shared micromobility.

Ongoing autonomous driving innovation

We will see major progress in autonomous driving technology during 2021. Honda recently announced that it will mass-produce autonomous vehicles, which under certain conditions will not require any driver intervention. Tesla's Autopilot not only offers lane centering and automatic lane changes, but, from this year, can also recognize speed signs and detect green lights.

Ford is also joining the race, anticipating an autonomous driving cars ridesharing service launch in 2021. The company could also make such vehicles available to certain buyers as early as 2026. Other automakers, including Mercedes-Benz, are also trying to integrate some degree of autonomous driving technology in their new models from 2021. GM intends to roll out its hands-free-driving Super Cruise feature to 22 vehicles by 2023. 

The fierce market competition is also accelerating self-driving technology growth in other companies, including Lyft and Waymo. Billions of dollars have been spent in acquiring startups in this domain: GM acquired Cruise for $1 billion; Uber acquired Otto for $680 million; Ford acquired Argo AI for $1 billion; and Intel acquired Mobileye for $15.3 billion.

Challenges arising from the coronavirus pandemic also presented themselves as opportunities to rise for many industries.  Businesses and advertisers have dramatically adapted their operations and marketing strategies during this time to meet the transformations in how people around the world work, spend time and shop. 


Technology companies dominated in 2020 

As countries around the world implemented coronavirus-related restrictions to limit the transmission of the virus, this accelerated people’s use of communications technologies. The utility of many big tech companies became especially apparent this year as tech enabled remote work and helped people stay connected to friends and family. That explains why many of this year’s top spots are occupied by tech companies such as Google, WhatsApp, Samsung, and Facebook.

The list also offers a mirror of how people relied on tech-enabled entertainment services such as YouTube and Netflix amid spending more time at home and seeking distractions from the reality outside. The appearance of the two tech brands within the top 10 reflects the increased amount of time people spent in front of screens amid the pandemic. 

“What we hear about tech brands in [one country] is not necessarily reflective of what is being heard in other markets.” said Amelia Brophy, Head of Account Management at YouGov. “That really points to the global nature of the list especially the brands capable of speaking to so many different audiences in a diverse global marketplace.” 

People show a renewed focus on personal care and home goods categories 

The increased consumption of home goods and personal care products is another trend that emerges from the list this year. YouGov data shows that as people limited the number of times they left their homes, in-person spending went down and led instead to a boon in online spending. This also allowed some of the world’s largest e-commerce retailers, such as Amazon and Shopee, to tap into audiences hesitant to purchase things in-person but still eager to buy them online. 

“Big tech companies have become the new utilities.” said Cath Jeffries, Strategy Director, 1000heads. "They offer tremendous value to society, globally, and this has only been heightened by the pandemic. In addition, on the surface, what they offer is often free; we all know that, essentially, their services come at a different kind of price, but the value exchange here is clear.” 

As people spent more time at home in 2020, this led to an uptick in spending categories such as groceries, personal care items and other home goods. This growth in consumer good spending is reflected by the presence of household names such as Ikea, Nivia, Dettol, Colgate, Lego, and Tylenol. The increased time spent at home has also led to more meals being cooked at home, just as observed in the United States, and around the world, elevated food manufacturers and distributors such as Almarai to the top 25 list. 

Large shares of people around the world have been using cash less often since the coronavirus outbreak and instead relied on digital payments to buy the things they needed. This trend has led to positive outcomes for financial service brands such as VISA and PayPal that benefit when consumers opt for cashless payments. 

Notably, two automotive brands make the Global Best Brands ranking amid a year when the virus presented obstacles and consequences for the auto industry. Toyota, who had a big year in store as an Olympics partner prior to the postponement of the event, responded to the pandemic by producing medical face shields in Japan. Mercedes-Benz is the second auto brand to make the list and recently made strides committing to a strategy that leverages the electrification of luxury cars. 

The webinar explores what our experts predict for some of these brands post 2020 and reveals the other names that left strong impressions on them throughout the year. The discussion also touched on topics of ethics and sustainability – especially as there has been a paradigm shift, due to the pandemic, from the environment to a focus on people, community and societal issues. 

“Consumers are using the pound, dollar, euro in their pockets to make a difference.” said Dr. Chris Arnold, Strategist and Marketing Leader, Connect2. ”They are looking to brands that take responsibility and also make a difference - not just pay lip service to ethics. Corporate purpose has to both mean something and be evident in the behavior of brands. Both societal and environment are key areas brands will be judged on in 2021. But all the evidence suggests that, doing good is good for business.” 

Source: YouGov, 2021

The UK has become the first country in the world to approve the Pfizer/BioNTech coronavirus vaccine that provides up to 95% protection against Covid-19 illness and is safe to be rolled out.

The UK has already ordered 40 million doses of the jab - enough to vaccinate 20 million people. The first doses are already on their way to the UK, with 800,000 due in the coming days.

Care homes stuff and elderly people in care homes will be on the priority list for the vaccination followed by over-80s and health and care staff.

Despite the great news and overwhelming public excitement, the Prime Minister Boris Johnson urged everyone not to get "carried away with over optimism or falling into the naive belief that our struggle is over".

The Prime Minister commented that while the "searchlights of science" had created a working vaccine, significant logistical challenges remained.

The Pfizer/BioNTech jab is the fastest vaccine to go from concept to reality that is estimated to take only 10 months to follow the same steps that usually take 10 years.

According to Mr Hancock doses will be rolled out as quickly as they can be made by Pfizer in Belgium with the first load next week and then "several millions" throughout December.

As soon as the vaccine arrives, it will be sent straight to major hospitals who have the ultra-cold facilities to store it.

From there it can be moved just once - and when it is, it must be kept in batches of 1,000.

That means sending it out to care homes, where there may be only a few dozen residents in some places, would lead to a huge amount of vaccine being wasted.

Because of that, the NHS, which is in charge of distributing the vaccine, will run clinics from hospitals at first.

This will allow NHS and care home staff to get immunised first as well as, perhaps, some of the older age groups who come into hospital.

It looks like it will not be until much more of the Pfizer vaccine is available or the Oxford University one, which is easier to distribute, is approved that care home residents will be able to get it.

The bulk of the rollout across the UK will be next year, Mr Hancock said, adding: "2020 has been just awful and 2021 is going to be better."

America finally decided after more than three days of uncertainty while election ballots were counted.

In his first speech since being named US president-elect, Joe Biden promised to "unify" the country and heal deep divisions. But what more do we know about the 77-year-old, who, after his inauguration on 20 January, will officially become the next US commander-in-chief?

When he formally announced his entry into the 2020 presidential race, Joe Biden declared that he stood for two things - workers who "built this country", and values that can bridge its divisions.

As the US faces challenges from coronavirus to racial inequity, his pitch is to create new economic opportunities for workers, restore environmental protections and healthcare rights, and international alliances.

Approach to tackling coronavirus

Mr. Biden, who has served in public life for around a half-century, is emphasizing his government experience, seeking to cast himself as a steady, seasoned hand in a dangerous and uncertain world.

As the coronavirus crisis has unfolded, he has looked for ways to help voters picture him as commander in chief, formulating recommendations rooted in advice from health care and economics experts.

Mr Biden's approach to tackling coronavirus is to provide free testing for all and hire 100,000 people to set up a national contact-tracing programme.

Mr Biden plans to establish at least 10 testing centres in every state, call upon federal agencies to deploy resources and give firmer national guidance through federal experts. He says all governors should mandate wearing masks.

To address the immediate impact of the coronavirus crisis, Mr Biden has vowed to spend "whatever it takes" to extend loans to small businesses and increase direct money payments to families.

Criminal Justice reform

In the wake of the race protests that have gripped the US this year, he said he believes that racism exists in the US and must be dealt with through broad economic and social programmes to support minorities. A pillar of his "build back" programme is to create business support for minorities through a $30bn investment fund.

Global climate change

Mr Biden has called climate change an existential threat, and says he will rally the rest of the world to act more quickly on curbing emissions by rejoining the Paris Climate Accord. The agreement, which Donald Trump withdrew from, committed the US to cutting greenhouse gases up to 28% by 2025, based on 2005 levels.

Undo Trump’s policies

In his first 100 days in office, Mr Biden promises to reverse Trump policies that separate parents from their children at the US-Mexican border, rescind limits on the number of applications for asylum and end the bans on travel from several majority-Muslim countries. He also promises to protect the "Dreamers" - people brought illegally to the US as children who were permitted to stay under an Obama-era policy - as well as ensure they are eligible for federal student aid

The Health Secretary Matt Handcock announced today that the NHS should become ready for deployment of coronavirus vaccine from the start of December 2020.

The Covid-19 vaccine has been developed by Pfizer and BioNTech and is found to be 90 % effective against the virus.

The Health Secretary called the development a "promising news" however warned that it was only one step of many the country needs to tackle the pandemic once and for all.

The Prime Minister Boris Johnson expressed a "huge thanks" to Kate Bingham, the head of the UK's vaccine taskforce, for securing 40 million doses of the Pfizer and BioNTech vaccine.

According to the British Medical Association Covid-19 vaccines could be available from GPs and large drive-through sites 12 hours a day and seven days a week.

Doctors should get ready to start giving out jabs as soon as they are available, the medical union said.

GP surgeries were advised to be ready for "rapid delivery" of Covid-19 vaccines as soon as they are approved.

Guidance on a new "directed enhanced service" were given to family doctors, describing that they would work longer hours from 8am to 8pm Monday to Sunday to deliver the vaccination. Patients are set to be given two vaccine doses - either 21 or 28 days apart.

As well as GPs and chemists, vaccines could also be available at mass vaccination centres that will operate "in a similar way to testing centres" There could also be "roving teams" of vaccine nurses who offer jabs to those in care homes or to people who are housebound.

Vaccine availability will be limited at the beginning,  meaning only small numbers of vaccines may be given in December with most vaccinations taking place in early 2021.

"Working together, practices will need to be prepared to offer vaccinations seven days a week so that the vaccine is delivered within its short shelf-life and so patients receive it as soon as possible."Practices will need to work together to decide which one practice (or another appropriate site) is used for the vaccination site, remembering the need for provision to be potentially available 8am to 8pm, seven days a week."

But scientists have expressed concerns about how GPs will store vaccines as they must be kept at -80C. They say many surgeries do not have freezers cold enough for them.

In the recent years Berlin started to spark its reputation by its liberal diversity, cool image and low costs of living becoming more and more an attractive destination for international innovative minds. With a growing supportive infrastructure and innovative culture the city’s entrepreneurial spirit has started flourishing, attracting young and ambitions to join the movement. 

Berlin has become a magnet for young tech talents from all over the world for a number of reasons:

An attractive hub for investors

Creative industries account for 40,000 companies in the Berlin with over 350,000 workers being employed and producing an annual turnover of over 35 billion euros.  According to the recent research, Berlin startups received 1.9 billion euros in funding over the first 6 months in the last year.

Alex Jjung - the cofounder of SoundCloud (a successful Berlin startup) commented about Berlin is that “one of the reasons why it is good for startups is because the whole city is a startup.” In the last three decades the city has evolved a lot and so has its economy.

A place for inspiration for creative minds

Due to its diverse history the German capital embrace this extrinsic mixture of modern and old, which makes it an attractive melting pot for creative minds and innovative businesses as a source of inspiration and generation of cool ideas.

From an interview of a Parisian web developer - Lily, who has recently moved from Brighton to Berlin Lily to work for Brandwatch (one of the world’s leading social intelligence company with offices in the UK, US, Singapore and Berlin) she describes Berlin as the perfect place for innovative ideas to flow with its discussion areas and graffiti covered walls offices.

Lilly said: “It's probably one of the most liberal cities of Europe, you really can be yourself. This city definitely plays by its own rules and because of that it encourages people to be their most creative.”

Amazingly international diversity 

According to the Institute of Strategy and Development (IFSE) Berlin start ups are the major employers of international employees with 620,000 registered internationals in the city, which makes 16,5 % of total population of Berlin with over 186 different nationalities reside in the city.

According to the Global Start Ups Ecosystem report, with 49% of its employees are being internationals Berlin’s start-ups beat Silicon Valley (45% internationals) by its diversity and is only topped up by London.

The highest pay for Software developers

Software developers and managers are the most highly paid jobs in Berlin with an average starting salary of 2,900 euros for a software developer rising to an average of 5,000 euros for an experienced developer (10+ years).

The happiest employees in the IT industry

The first comprehensive start-up salary survey in Germany shows that Berliners earn higher salaries and experience more job satisfaction.  Additionally, the report showed that those who work in start-ups are happier than those who don’t.

1. Strong employment rights

Employment rights in Sweden are one of the cornerstones of the modern Swedish labour market. Swedish Labour unions have a lot of power with the development of an environment where the health and safety of employees come first. In addition to union support, a government agency, the Swedish Work Environment Authority (Arbetsmiljöverket), ensures employees’ well-being at work.

2. Equality comes first

Sweden’s anti-discrimination legislation guarantees that everyone has the right to be treated equally regardless of ethnicity, religion, gender, age, sexual orientation or functional disabilities.

3. Work permits for your family

Family-focused policies extend to migration regulations; when you apply for a work permit, you can also apply for residence permits for your spouse (including common-law and registered partners) and unmarried children under 21. Your family members can start to work or study right away when you get to Sweden.

4. Innovation is highly supported

Sweden encourages innovation. Companies in fields from ICT to energy are at the cutting edge of sustainable development and technological advancement. Swedish companies like IKEA, Ericsson and Spotify have fundamentally changed their fields – and continue to do so. International rankings like the Global Innovation Index confirm that Sweden is an innovation leader. If you work in Sweden, you could be a part of taking your field to the next level.

5. Generous welfare system

In addition to a career where you’re encouraged to develop as an individual, the tax-financed social benefits mean you don’t have to worry about the cost of healthcare, childcare or your children’s education. State subsidies make these and other aspects of life affordable. Eighteen months of paid parental leave – based on income – are offered per child, with job security when you return to work, and sick leave benefit means that you can focus on your health when you need to.

Information for UK nationals moving to or living in Sweden, including guidance on residency, healthcare, passports, and the Withdrawal Agreement.

What you should do

• Check your passport is valid for travel before you book your trip
• Register as a resident in Sweden
• Exchange your UK driving licence for a Swedish one

Visas, Residency and Entry Requirements

Residency

 There will be no change in residency rules or registration procedures if you arrive in Sweden before or on 31 December 2020. If you are resident in Sweden before or on 31 December 2020, you will be able to stay.

If there are changes to residency registration processes, we will update this guidance as soon as information is available.
If you plan to live in Sweden for more than 1 year, you must register with the Swedish Population Register. The Swedish authorities will issue you an ID number (personnummer).
You can only register if you have a right of residence (uppehållsrätt) for a year or more and comprehensive travel insurance. Under the Withdrawal Agreement, you will automatically have this right if you can support yourself, either by work or by other independent means, or you are studying.
You will not be able to register if you are still looking for a job when you come to Sweden and or do not meet other requirements for residency.
If you’re planning to move as a dependent to a family member who lives in Sweden you must apply for a residence permit.

Passports and travel

The rules on travel will stay the same until the transition period ends on 31 December 2020. During this time you can continue to travel to countries in the Schengen area or elsewhere in the EU with your UK passport.

Check your passport is valid for travel before you book your trip. Your passport should be valid for the proposed duration of your stay.

Passports from 1 January 2021

From 1 January 2021, you must have at least 6 months left on an adult or child passport to travel to most countries in Europe (not including Ireland). This requirement does not apply if you are entering or transiting to Sweden, and you are in scope of the Withdrawal Agreement.

If you renewed your current passport before the previous one expired, extra month may have been added to its expiry date. Any extra months on your passport over 10 years may not count towards the 6 months needed.

Entry requirements

Visas

If you hold a British Citizen passport, you do not need a visa to enter Sweden. If you’re planning a stay of longer than 3 months.The rules on travel will stay the same until 31 December 2020.

Visas from 1 January 2021

The rules for travelling or working in Europe will change from 1 January 2021:

• You will be able to travel to countries in the Schengen area for up to 90 days in any 180-day period without a visa for purposes such as tourism. This is a rolling 180-day period.
• Therefore, if you’re travelling to Sweden, previous visits to the Schengen area within the 180 days before your date of travel would count against the 90-day limit.
• If you are travelling visa-free to Sweden and to other countries in the Schengen area, make sure your whole visit is within the limit.
• To stay for longer, to work or study, or for business travel you will need to meet the entry requirements set out by Sweden. This could mean applying for a visa or work permit. You should check with the Swedish Embassy what type of visa, if any, you will need.
• Periods of stay authorised under a visa or permit will not count against the 90-day limit.

The European Commission has not yet set out how the limit of 90 days in any 180-day period for visa-free travel will be implemented for those who are already travelling in the EU or Schengen Area on 31 December 2020.

If you are travelling to Sweden before 31 December 2020 and will stay until 1 January 2021 or later, you should check with the Swedish Embassy for information on how the 90-day visa-free limit will apply to you. This also applies if your stay includes travel to other Schengen area countries.

At border control for Sweden, you may need to:

• show a return or onward ticket
• show you have enough money for your stay
• use separate lanes from EU, EEA and Swiss citizens when queueing
• Your passport may be stamped on entry and exit.

Driving in Sweden

Driving licence rules will stay the same until 31 December 2020. If you are a resident in Sweden, you should exchange your UK licence for a Swedish one. You can still use your Swedish licence in the UK for short visits or exchange it for a UK licence without taking a test if you return to live in the UK.

Healthcare

If you are living in Sweden or move there permanently before 31 December 2020, you’ll have life-long healthcare rights in Sweden as you do now, provided you remain resident.

State healthcare: S1

If you live in Sweden and receive an exportable UK pension, contribution-based Employment Support Allowance or another exportable benefit, you may currently be entitled to state healthcare paid for by the UK. You will need to apply for a certificate of entitlement known as an S1 certificate.

European Health Insurance Card (EHIC)

If you are resident in Sweden, you must not use your EHIC from the UK to access healthcare in Sweden. When you travel to Sweden for a temporary stay in another European Economic Area (EEA) country or Switzerland, you can use an EHIC to access state-provided healthcare in that country. During that short stay:

• the EHIC covers treatment that is medically necessary until your planned return home
• an EHIC is not a replacement for comprehensive travel insurance

There will be no changes to your healthcare access before 31 December 2020. You can also continue to use your EHIC, as you did before, during this time.
Working and studying in Sweden. If you are registered as a resident in Sweden you have the right to work in Sweden.

If you are resident in Sweden on or before 31 December 2020, your right to work will stay the same, as long as you remain resident. You should check the Swedish Migration Agency website for information on when and how UK nationals can apply for a work permit.

Money and tax

The UK has a double taxation agreement with Sweden to ensure you do not pay tax on the same income in both countries.Existing double taxation arrangements for UK nationals living in Sweden have not changed.

National Insurance

If you are employed or self-employed in the EU and you have a UK-issued A1/E101 form, you will remain subject to UK legislation until the end date on the form.

Banking

Most people living in Europe should not see any change to their banking after 31 December 2020. Your bank or finance provider should contact you if they need to make any changes to your product or the way they provide it. If you have any concerns about whether you might be affected, contact your provider or seek independent financial advice.

Pensions after 31 December 2020

There will be no changes before 31 December 2020 to the rules on claiming the UK State Pension in the EU, EEA or Switzerland as a result of the UK leaving the EU.
If you are living in the EU, EEA or Switzerland by 31 December 2020 you will get your UK State Pension uprated every year for as long as you continue to live there. This will happen even if you start claiming your pension on or after 1 January 2021, as long as you meet the qualifying conditions explained in the new State Pension guidance.
If you are living in Sweden by 31 December 2020, you will be able to count future social security contributions towards meeting the qualifying conditions for your UK State Pension.

If you work and pay social security contributions in Sweden, you will still be able to add your UK social security contributions towards your Swedish pension. This will happen even if you claim your pension after 31 December 2020. If you are considering moving to Sweden on or after 1 January 2021 and you are not covered by the Withdrawal Agreement, the rules depend on negotiations with the EU and may change.

If you are considering moving to Sweden on or after 1 January 2021 and you are not covered by the Withdrawal Agreement, the rules depend on negotiations with the EU and may change. Tell the Swedish and UK authorities if you are planning to return to the UK permanently.If you get healthcare in Sweden through the S1 form, you must contact the Overseas Healthcare Team on +44 (0)191 218 1999 to cancel your S1 at the right time.

Original Source: GOV.UK