Whether you are a business or individual, plotting a path to success for your currency transfers has never been more difficult. How will these factors affect the foreign exchange markets in the next 90 days?

• Sterling continues to strengthen with an intensified vaccine programme and the hope of some normality after Freedom Day
• Eurozone sentiment more upbeat as vaccine programme woes start to be resolved
• US economy looks set for further growth while vaccine hesitancy still a problem for Biden