INTEGRATE: Digitizing the Client Journey
Tapodyuti Bose | Mayank Mishra | Rajesh Shenoy
April 4, 2019
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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
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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.