Balancing Digital Aspirations While Addressing Risk Management Fundamentals: Observations From Citi Treasury Diagnostics

44 ...COMPANIES ARE MOBILIZING ON OPPORTUNITIES Driving Efficiency within Treasury and augmenting decision making are the top two expectations for investing in emerging technologies. Biggest area of opportunity reported remains in the provision of data analytics and insights through ML/AI. Utilization of faster payments has become second biggest area of focus, switching places with Robotic Process Automation. Expectation in Investing in Digital/Emerging Technologies Efficiency within Treasury 2018 ranking 74% Decision Making 70% Supporting transformational change in the business 63% Supporting transformational change in Treasury 60% Governance and oversight 53% Not considering investment in digital 6% 3 4 2 1 5 6 2018 ranking — Technologies under pursue 5 3 2 4 – – 1 Areas of Emerging Technologies — Opportunities and Projects Underway Biggest Area of Opportunity Areas currently being pursued within Treasury RPA — Robotic Process Automation API — Application Programming Interface AI - Artificial Intelligence ML — Machine Learning Faster/Instant Payments Data Analytics and Insights (AI/ML) API Digital Currency RPA/Robotics Distributed Ledger Technology Other 44% 42% 34% 75% 32% 41% 26% 41% 1% 13% 5% 1% 15% 8%