Citi Perspectives Fall 2023: Transforming Treasury

04 Welcome Steve Elms 06 Leveraging AI: AI will personalize treasury and power data-readiness teams Naveed Anwar 10 Rethinking receivables: Reimagining receivable finance to support sales Pauline Kontos and Sanjeev Ganjoo 14 The global payments transformation: Where next? Mark McNulty, Sanjeev Jain, Anupam Sinha and Gabriel Kirestian 22 Setting course: Navigating the opportunities of the Middle East and Africa Esther Chibesa and Nneka Enwereji 28 The future is instant: How payments and purpose are driving Latin America’s payments revolution Steve Donovan 32 Industry spotlight: Energy and chemical sectors managing treasury inuncertain times Christine McWilliams 36 Industry spotlight: HowGoTo Group managed a blockbuster merger and the world’s largest tech IPO Jacky Lo and Rania Ali 40 Driving transformation: Enhancing the customer experience through the digitalization of payments Manash Dasgupta Citi Perspectives | Fall 2023