Citi Perspectives Fall 2023: Transforming Treasury

Driving transformation: Enhancing the customer experience through the digitalization of payments There has been a proliferation of new forms of payments emerging around the world as more consumers are brought into the financial system, and consumer demand for greater payment options is translating into merchant considerations. While e-commerce expands globally, merchants are targeting new sets of consumers in new geographies. However, this often increases the complexity of managing a myriad of provider options and relationships. The fragmentation that comes with a distributed payments ecosystem can create significant challenges from a treasury management perspective. 40 | Treasury and Trade Solutions Citi Perspectives