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Yet I'm also proud of my company's record of innovation on behalf of our clients and customers and the whole financial sector.
We're seeing something similar in the credit card industry. Globalization—the increasing connectivity of all the world's nations, economies and markets; Urbanization—the concentration of people and GDP growth in cities; and.

The winners will be those that embrace digital, extend their reach globally and start to exploit direct-to-consumer opportunities. "Tennessee captives would certainly not be where they are today without his hard work," Kevin Doherty, president of the Tennessee Captive Insurance Association in Nashville, said in a statement. Whether on a trading floor, in the halls of government, in the treasury departments of multinational companies, or in the hands of our individual customers, our future will be global—and it will be digital.

McKinsey forecasts that the adoption of digital and mobile technologies will cause $350 billion in market share to shift among companies in the U.S. alone over the next three years. Yahoo ist Teil von Verizon Media. However, we recognize that success requires more than Citi—it requires partnerships across the value chain, and respect for the capabilities that different institutions can bring. We've developed a platform called Citibank Express or, informally, we call it "bank in a box." And the younger a customer is, the more this holds true. Some of the world's governments believe that limiting the private sector's ability to transfer, store, and process data across borders will somehow protect user privacy and improve security. Corbett began his career on Broadway. In one of the most demanding technology environments—characterized by multiple monitors and content feeds with zero latency—we have launched a mobile solution that fits all this into one 4-inch screen.
Our focus and investment in digital reflect this accelerating trend. Third, we're creating digital partnerships. In its first eight months of operation, the platform moved $1 billion. This will help protect it from the corruption and graft which prevents it from reaching its intended recipients.

The Government is now using the product to distribute disbursements, and Oxxo—the country's largest convenience store—has joined to allow people to cash in, cash out and shop. That's what I want to talk to you about today: how we see those trends, and how we're responding to them.

Now let me, then, tell you a little about Citi's ambition to become the world's digital bank, and what we're doing to make it happen.

And to do all that, we have to stay with—and ahead of—the trends.

On the one hand digitization promises to change everything—to make banking more personal, more efficient, more transparent, and more accessible. It's good for people... it's good for us... it's good for the financial system... and it's good for local economies.


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