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17 2 & utilities, but full recovery may take awhile. Due to the strong housing market homebuilders will be hiring, but bleak prospects for commercial real estate markets mean that nonresidential construction firms will be laying off workers. In 2021, retailing and government are expected to lose jobs. Prospects for Service Producing Industries in 2020 Georgia's major categories of service-related businesses will expand in 2021. Growth will reflect the upturn in housing markets, growing demand for health care, education, digital services, and high technology services, as well as a long list of projects already in the economic development pipeline. Georgia's large, well-established, cluster of Fin-Tech companies fared relatively well during the COVID-19 recession. FinTech, transactions processing, data processing, cyber security, and development of software and mobile apps will continue to strongly support Georgia's economic recovery. The FinTech industry received a boost from the COVID-19 crisis because contagion fears pushed people to adopt new mobile technologies, including mobile banking and touchless payment systems. Most consumers are pleased with such services and will never return to their pre-crisis ways of banking and shopping. Georgia's Fin-Tech ecosystem is healthy. One of the main reasons why Fin-Tech companies locate in Georgia is that large number of existing companies ensures deep pools of experienced workers with the specialized talents needed. In addition, Georgia's post-secondary education system is focused on the production of new talent for the Fin-Tech industry. The list of IT and Fin-Tech companies that announced major projects in 2015-20 is very long and includes Microsoft, Deluxe, Milletech Systems, Zillow, Perspecta, Medline Industries, Toyota Financial Services, and RYSE Interactio. Invesco, OS National, Salesforce, Facebook, BurningCastle LLC, InComm, Pandora, OneTrust, Accenture, Assurant, CryusOne, Switch PRIME, Sysnet Global Solutions, Global Technology, Better Cloud, GE Digital, Honeywell, NCR, VIX Global Solutions, ADP, Keysight Technologies, VIX Verify, Merchant e-Solutions, Applied Systems, Courion, Sage, and Stefanini. The Fintech cluster of companies in the Atlanta MSA is growing rapidly. For example, in 2020, Deluxe announced that it will establish a new FinTech and customer innovation center in Sandy Springs, creating over 700 jobs. In 2020, Toyota Financial Services announced it will open a financial services center in Alpharetta that will be one of three national hubs and will create 150 jobs. In 2019, Invesco – an investment management company – announced plans to add 500 jobs at its global headquarters in midtown Atlanta. In 2019, OS National announced plans to expand its headquarters operations in Gwinnett County, adding over 1,000 jobs. In late 2018, BlackRock announced the creation of an innovation hub in Atlanta, creating 1,000 jobs over several years. The Georgia FinTech Academy – available at 15 of the University System of Georgia's 26 institutions – will provide the talent needed to attract more financial technology companies to Georgia. The COVID-19 crisis dramatically boosted the use of online and digital services, which increases the need for cyber security. Indeed, the digital transformation of many industries, ranging from health care, to entertainment, to mobile banking, was an existing trend that the pandemic dramatically accelerated. The speed of this widespread digital transformation increases the risks of cyber-attacks, which puts Georgia's cyber security industry onto higher short- and long-term growth trajectories. Georgia's cyber security industry is located primarily in Atlanta and Augusta. Talent is the key to Atlanta's success whereas the presence of the US Army Cyber Command at Fort Gordon and Georgia Cyber Center are the foundations of Augusta's cyber security economy. Fort Gordon provides a critical mass of dependable contracts. For example, in 2020, Perspecta announced that it will open a regional office at the Georgia Cyber Center creating 178 jobs in support of the U.S. army Cyber Command at Fort Gordon. Similarly, in 2019, Parsons Corp – a cybersecurity technology provider – announced that it would open a new office in the Georgia Cyber Center to train operators supporting the U.S. Army Cyber Command and its operational units at Fort Gordon. The Georgia Cyber Center provides the leadership and talent needed to attract more cyber security firms to Georgia. Healthcare IT and telemedicine will create thousands of high-paying jobs in Georgia over the next decade. The COVID-19 crisis greatly accelerated the adoption of telemedicine by traditional healthcare providers, which got large segments of the population accustomed to the online delivery of healthcare. Once the pandemic is over, it is likely that many patients will continue to use online healthcare, which bodes well for healthcare providers, healthcare IT companies, and cyber security companies. Georgia is attracting and growing healthcare IT companies. For example, in