The Future of Payments

61 BANKING PERSPECTIVES QUARTER 4 2018 AS CONSUMERS ADOPT DIGITAL PAYMENT OFFERINGS, TOKENIZATION PLAYS A KEY PART TO INCREASE CONVENIENCE AND PROVIDE A FRICTIONLESS, SIMPLE, AND SECURE EXPERIENCE. C CITI HAS BEEN on a decade-long journey toward becoming an always-on financial partner in our customers’ day-to-day lives. As a company, we’re positioned to show up where our customers want us, and to go a step beyond to help our clients navigate today’s 24/7 connected environment. Safety and soundness remain paramount in everything Citi does as it moves banking beyond the bank to empower our customers to bank anytime, anywhere, with mobile services at the core.