Citi

The next leap in digital money isn’t speed. It’s intelligence. Programmable money is shifting finance from faster movement to real-time intelligence: payments that self-execute on conditions, reconcile instantly, validate compliance before funds move, and create their own audit trail. It’s this transition that Citi Institute’s Ronit Ghose explores in a recent article, building on insights from our Stablecoins 2030 report. For institutions, the benefits are clear: - Compliance at the point of transaction - Real-time treasury coordination - Fewer manual checks with stronger control - Programmability combined with the safeguards of regulated deposits It’s a glimpse of what Ghose calls “smarter, faster finance.” Read the article here: https://on.citi/4ocZz3E #Citi #CitiInstitute #FutureofFinance #Compliance #DigitalAssets

From AI’s promise to innovative new drugs and the next phase of GLP-1s, a number of developments offer the potential to reshape Healthcare. In the latest Research @ Citi podcast, Anne Malone and Geoff Meacham discuss the industry and what may come next. https://on.citi/3XI01fb

Unlock the power of near real-time payments globally with Citi's expansive network. In today's fast-paced world, speed and efficiency are paramount. Our global instant payment network now spans over 65 countries, including live SEPA Instant Payment capabilities across 13 European markets. Citi’s extensive reach enables you to streamline your payment operations, reduce friction, and dedicate more time to strategic initiatives that truly matter for your business. Learn more: https://on.citi/4oRRxOu

Citi announced today that it will begin the process of transitioning the role of Chief Financial Officer from Mark Mason to Gonzalo Luchetti. Mason will remain CFO until early March 2026. He will then become Executive Vice Chair of Citi and Senior Executive Advisor to Chair and CEO Jane Fraser. Additionally, Retail Banking will be integrated into Citi’s Wealth business. Citi’s Branded Cards & Lending and Retail Services businesses will be combined to form U.S. Consumer Cards, led by Pamela Codispoti Habner. She will report to Fraser and become a member of the firm’s Executive Management Team. Read more: https://on.citi/4oRS9nn

Investor concerns about pharma tariffs have largely ebbed, as most large biopharma names have secured exemptions by committing to manufacturing and R&D investments in the U.S. That’s one of several trends that have helped make 2026 look more optimistic for Healthcare after a year marked by uncertainties and underperformance. A new Citi Research report takes a sector-by-sector look at industry trends — including renewed M&A activity, drug-pricing policies and China’s rise as an innovation hub —ahead of the annual Global Healthcare Conference in Miami December 2-4. https://on.citi/3Kc530o

The Citi Impact Fund’s latest investment, Procurement Sciences AI, is a leading AI platform for government contractors and businesses — helping cities and vendors navigate the procurement process more efficiently. By saving time and accelerating proposals, Procurement Sciences can help government contractors focus their efforts on delivering services for communities and their residents. The platform has enabled over $3 billion in contract wins to-date. Learn more: https://on.citi/4reusY8

This week, Citi Innovation Labs hosted the Digital Assets Symposium at Citi HQ. Several leaders across Citi, including Artem Korenyuk, Deborah Q., Ryan Rugg, Biser Dimitrov and Diedre Ayers, and the financial services industry, gathered to discuss the future of the digital economy and the role of traditional financial institutions. #DigitalAssets #DigitalEconomy

Don’t give up on a Santa rally just yet! In the latest Research @ Citi Markets Edition podcast, Dirk Willer and Alex Saunders offer two reasons they’re optimistic about equities into year’s end. https://on.citi/3K2PcRQ

We're proud to see our own Dirk Willer, Citi Research’s Head of Global Macro Strategy and Asset Allocation, joining Tracy Alloway and Joe Weisenthal on Bloomberg's Odd Lots podcast to share his insights on why he believes we are in bubble territory with AI. Dirk and his hosts delved into crucial topics like identifying the signs that an economic bubble has burst, and exploring the market signals and investor behaviors that precede such a turning point. Listen here: https://on.citi/3X5gppS

Meredith Shields, Head of the Citi Impact Fund, recently joined portfolio company Empathy on CFO Brew to discuss how organizations are adapting strategies, designing services and applying emerging tech to help individuals build financial resilience. Watch here: https://on.citi/49XDJgO