Core Insights - Citi Group's financial services division has integrated five core business lines to enhance customer experience and maintain strong profitability in a complex financial environment [1][2][3] - 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 [1][4][10] Integration of Services - The integration of payment, liquidity management, trade financing, issuer services, and investor services creates a seamless "end-to-end" solution for clients, addressing the fragmentation often seen in traditional financial services [2][3] - This comprehensive approach allows Citi to serve as a reliable partner for clients with diverse and complex needs, enhancing operational efficiency and responsiveness to market changes [3][4] Technology Investment - Citi invests $1.5 billion annually in technology to drive innovation and meet evolving customer demands, focusing on real-time processing and digital capabilities [1][5] - The bank is modernizing its platforms to support 24/7 operations, enabling instant cross-border payments and providing clients with real-time visibility into cash flow and investments [5][6] Artificial Intelligence Utilization - The integration of generative AI is transforming customer service and operational efficiency, with initiatives like an interactive AI chatbot for real-time customer support and backend process automation [6][7] - AI applications are aimed at improving response times and reducing error rates, thereby enhancing the overall customer experience [7] Tokenization Strategy - Citi's innovation strategy includes the development of Citi Token Services, which facilitates real-time cross-border fund transfers and automates trade financing processes [8][9] - The bank aims to strengthen existing financial infrastructure while strategically investing in new technologies, with the goal of making these innovations seamlessly integrated into clients' operations [9] Global Market Position - Citi's financial services division maintains a strong global presence across 94 markets, which is crucial for supporting clients in their pursuit of international opportunities [10] - The bank recognizes the growing demand for unified solutions among Chinese enterprises, reflecting the need for comprehensive services in a rapidly evolving market [10]

在全球复杂多变的金融环境下，大型跨国银行如何持续提升客户体验并保持强劲盈利能力？ 花旗集团金融服务部门（Citi Services）主管Shahmir Khaliq近日在接受《每日经济新闻》（以下简称NBD）独家专访时给出了答案。他表示，通过深度整合 支付、流动性管理、贸易融资等五大核心业务，花旗构建了覆盖多市场多货币的"端到端"解决方案，有效破解了传统金融服务碎片化痛点。 尽管面临利率下行挑战，花旗金融服务部依然贡献了花旗超半数存款，并在最新财季实现了8%的同比收入增长和23%的有形普通股回报率（RoTCE）。 每经记者｜李玉雯 每经编辑｜张益铭 记者注意到，花旗金融服务部每年在技术上投入15亿美元。"客户需求正强力驱动技术迭代。"Khaliq对记者表示，人工智能特别是生成式AI（人工智能）， 正在客户服务和后端流程自动化中发挥关键作用。同时，花旗亦战略布局如Citi Token Services（花旗代币服务）等代币化解决方案，以实现实时跨境资金转 移和贸易融资自动化。 花旗集团金融服务部门主管Shahmir Khaliq 图片来源：受访者供图 五大业务条线支持"端到端"需求，多样化存款基础带来稳定收益 ...