INTEGRATE: Digitizing the Client Journey

Tapodyuti Bose | Mayank Mishra | Rajesh Shenoy

April 4, 2019

1

Delivering Impact Across the Client Journey

Digital Onboarding Service & InsightsAccess to Banking Services

• Account Opening

• User Setup & Management

• Technical Integration

CitiDirect BE®

Mobile & Tablet

PROMPT –

Conversational

Finance

Faster and simpler experience On-the-go Capabilities Intuitive Available Information

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Digital OnboardingFaster and simpler experience

Digital Engagement: CitiDirect BE® Digital Onboarding

LET ME CHOOSE

HOW TO ENGAGE MATCH MY PACE DO IT FAST!

• Single window to engage

with Citi

• Show pre-filled forms with

existing information

• E-signature with DocuSign • Validate information and

open account

SHOW ME YOU

KNOW ME

Account Opening Request Identify Incremental Requirements Client Digital Interaction Request Fulfillment

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Digital Onboarding Demo

Account Opening Q&A

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What is your comfort level with this new flow? (rate 1-5)1

Does this cover all your pain points for account opening?

(Yes/No, if not, why)2

Are there barriers you see to use this capability? (Yes/No, if

not, why)3

How does this onboarding experience compare with other

providers? (rate 1-5 from worse to better)4

How can we make this even better?5

6

Simplifying User Set-up and Management

An intuitive and straightforward design

Simple Three Step Process

3. Adjust Permissions2. Assign Accounts1. Pick a Role

Client Pain Points

Completion of Access

Uncertainty

Access Profiles too

Complicated

Need to Simplify

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Enhancements to User Entitlements: Picking a Role

We have enhanced the user management menu & the entitlement process to make this configuration easier.

KEY FEATURES

1

2

3

Transparent steps via process

flow bar

Simply choose your role via role

search

Very easy to copy entitlements

from existing users

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Enhancements to User Entitlements: Assigning Accounts

We have enhanced the user management menu & the entitlement process to make this configuration easier.

KEY FEATURES

1

2

Selection at country level

Security Manager can expand to

account level to enable restricted

access

Acct: xxxxxxxx

Acct: xxxxxxxx

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Enhancements to User Entitlements: Default Permissions

We have enhanced the user management menu & the entitlement process to make this configuration easier.

KEY FEATURES

1

2

Any Non-Account

Permissions can be set

Security Manager can add

another role as well

User Management Q&A

What analytics/information would you like to see around User Management?

(None, Reports, Benchmarking vs peers or best practices, Identification of Weaknesses, Other)1

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What is an API?

CitiConnect®API

CitiConnect®

API

Developer PortalAccelerate implementation and go live faster

by easily accessing the latest information

and performing technical testing upfront.

Online Repository

One place to access the

latest documentation

and information on APIs

any time you need it.

Real-Time Execution Faster Implementation

Enable new business models

Key Benefits

Seamless Connectivity through APIs

Application Programming Interface (API) enables nimble interactions in digital ecosystems.

Sandbox Environment

Test APIs even before

accounts are available,

resulting in higher quality

releases and less rework.

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API Developer Portal

With this self-service portal, the current testing process length

can be reduced.

• Sample Code

• Credential Exchange

• Testing Integration

Easy access to a catalog of services

CitiConnect API offers a unique mix of services,

enabling on demand access to key transaction

processing reference data, such as payment

processing status, directly to partner applications.

List of our Top Five Leveraged APIs

1. What is my payment status?

2. How much is my balance?

3. Initiate Payments

4. Retrieve my statement

5. Get my FX rate

Ready to Use Services

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CitiConnect Testing Portal

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API Developer Portal: Sandbox

Sandbox end-to-end

connectivity in Client

Testing Environment (CTE)

infrastructure

Empower clients to utilize full

functionality of the platform in

CTE via a Client ID leading to

an improved validation

process

The API Developer Portal offers our clients the unique ability to test and validate their API Payloads leveraging an easy-to-use

Sandbox Integration tool.

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CitiConnect Testing Portal

Developer Portal Q&A

Who do you prefer Citi to partner with to further transform real-time financial services, and why?3

What is the most critical set of functions you need your bank to expose via API?2

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How critical is real-time banking API to your org? (scale of 1-5)1

Citi and ERP/TMS partnership

Benefits for our clients:

No build: turnkey implementation leveraging built in APIs to

connect directly with Citi

Access to experts and integrators at Kyriba

Access to Citi’s global footprint for payments, status

messages, and account statements

CitiConnect

API

Payment

Initiation

Transaction

Status

Inquiry

Account

Statement

Generation

Account

Statement

Download

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Payments Initiation

Cash Management

GL Posting

GL Reconciliation

Cash Forecasts

Connectivity Hub

Benefits for Citi:

Accelerate client implementations through simplified integration

and reducing onboarding complexity

Partnership with our client’s treasury partner of choice; a global

leader in cloud based Treasury Management Services

Kyriba has integrated and embedded Citi's APIs in their Connectivity Hub. This enables clients to use their preferred

Treasury Management System to connect to Citi using APIs. Live with Kyriba, SAP, Oracle, and FIS

ERP/TMS

Access to Banking ServicesOn-the-Go Capabilities

CitiDirect BE® Tablet and Mobile

• A customizable dashboard enabling

users to set up their preferred experience

• A new approvals module enables users

to authorize or release payments, and

approve or reject users all from one place

• Chart or Map view for Balance data,

including powerful filters.

Powerful and Easy to Use: When CitiDirect BE® Mobile is launched on Tablet, a richer experience

unfolds, taking advantage of the larger dimensions of the tablet device.

KEY FEATURES

1

2

3

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Mobile & Tablet Q&A

What’s your level of interest in using biometrics (fingerprint sensor or facial ID) to access CitiDirect

BE App? Tablet? Desktop? (where 1=not interested and 5=very much interested)2

What role do you think that the Internet of Things may/may not have in financial services in the

next 2-5 years? (where 1=not at all and 5=an extremely significant role)3

What are barriers to adoption of mobile devices at your company?

(None, Corporate Policy, Security/Control Concerns, Employee resistance, Other)1

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Service and InsightsIntuitive and Available Information

What is my current available balance

for account ending in 1234?

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PROMPT: Conversational FinanceUsers no longer have to navigate the complexity of Citi’s systems and organization. Instead, they can articulate what they need

in their own words and have the system execute tasks for them.

Balance Inquiry Payment Status Initiate Payment using

Pre-FormatCut Off Time

KEY FEATURES

Easy and intuitive access to features in CitiDirect

BE in a voice/text interface

Meet the user expectations to deliver security needs

with minimal friction

Connect a voice and text channel to existing TTS

systems

Timely & accurate information will have a positive

client impact

1

2

3

4

The current available balance for account

ending in 1234 is 1000 US Dollars

What is the status of my most recent

payment to ABC Corp?

The most recent payment to ABC Corp

from account ending in 1234 is awaiting

authorization as of 2:14 AM Eastern

Today

Prompt Enhancements Q&A

How do you primarily get that information from us today?

(online, host to host, phone call, e-mail, something else)2

How would you prefer to get information from us?

(online, host to host, phone call, chat, e-mail, something else)3

What corporate messaging platforms do you use?

(Options: Skype / Teams, Slack, Hipchat, Troop, Flock, something else)1

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CitiDirect BE® Mobile

CitiDirect BE® Mobile allows you to bank from the palm of your hand.

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CitiDirect BE® Mobile: Feature Rich

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Initiate, Authorize, and Release Payments directly from CitiDirect BE® Mobile.

CitiDirect BE® Mobile: Feature Rich

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View Account Balances, Intraday Cash Positions, and Payment Status directly from CitiDirect BE® Mobile.