Citi Q4 Shows Banking's Future Is Embedded, Not Episodic

Citi’s Treasury and Trade Solutions performance reflects a broader industry trend where embedded, cross-border financial infrastructure is becoming more valuable amid supply chain reconfiguration, regulatory complexity and demand for real-time liquidity management.Investments in technology, automation and AI have transformed transaction banking from a balance sheet-heavy utility into a scalable, higher-margin services platform with improving economics.Citi’s 2025 earnings highlighted a strategic shift towar ...