专访花旗集团Shahmir Khaliq：五大业务条线支持“端到端”需求，对人工智能给银行业带来的转型充满信心

Core Insights - Citi Group's financial services division has effectively integrated five core business lines to enhance customer experience and maintain strong profitability in a complex financial environment [1][4][13] - Despite challenges from declining interest rates, the financial services division contributed over half of Citi's deposits and achieved an 8% year-over-year revenue growth along with a 23% Return on Tangible Common Equity (RoTCE) in the latest fiscal quarter [2][13] Integration and Customer Experience - The integration of payment, liquidity management, trade financing, issuer services, and investor services creates a seamless "end-to-end" solution that addresses the fragmentation in traditional financial services [4][5] - This integration allows Citi to serve diverse client needs, providing a one-stop solution that enhances operational efficiency and simplifies business processes for clients [4][5] Technology Investment and AI - Citi invests $1.5 billion annually in technology, driven by strong customer demand for innovation [2][6] - The focus is on creating a 24/7, real-time banking experience, with significant advancements in digital capabilities and the elimination of legacy systems [6][7] - Generative AI is being utilized to improve customer service and operational efficiency, including the development of an interactive AI chatbot for real-time responses to customer inquiries [10][11] Tokenization and Future Innovations - Citi Token Services supports real-time cross-border fund transfers and aims to automate trade financing through tokenized deposits and smart contracts, significantly reducing processing times [12] - The adoption of tokenization solutions is expected to accelerate when the technology becomes seamlessly integrated into existing platforms, making it invisible to users [12] Financial Performance and Market Position - The financial services division's strong performance is attributed to a diversified deposit base and long-term relationships with clients, which provide stability even in fluctuating interest rate environments [5][13] - Citi's global network across 94 markets positions it as a trusted partner for clients seeking to explore global opportunities, particularly in the dynamic Chinese market [13]