Rudy Lai
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AI @ Citigroup

Global presence, strong in institutional
Industry
Last updated
July 3, 2025 at 10:44 AM

Summary

  • Citigroup has rapidly expanded AI integration from foundational awareness in 2023 into broad scale enterprise adoption by 2025, spearheaded by key executives such as CEO Jane Fraser and AI leaders driving initiatives like Citi Stylus and Citi AI platforms.
  • The bank has embraced generative and agentic AI, deploying autonomous AI agents internally to streamline workflows, improve customer service, and reduce operational costs, with over 150,000 employees engaged and 2,000+ AI champions facilitating rapid adoption.
  • Citigroup projects significant AI-driven operational efficiencies, including freeing up 100,000+ developer hours weekly and expects ongoing transformative impacts on banking through AI-powered credit risk models, commercial lending automation, client communications, and AI-driven fraud prevention.

VIBE METER

More AI announcements = more VIBE
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6 AI Use Cases at Citigroup

Developer Productivity
2025
Traditional
Generative
Agentic
Outcome
Costs
Citigroup uses AI coding assistance tools that reduce developer workload by freeing up over 100,000 hours weekly, accelerating software development and improving internal operational efficiency. [1]
Employee Enablement
2025
Traditional
Generative
Agentic
Outcome
Citi conducts AI prompt engineering training for its entire 175,000 employee base to enhance company-wide AI literacy and maximize effective use of AI tools across functions. [1]
Autonomous Tasking
2025
Traditional
Generative
Agentic
Outcome
Costs
Citigroup pilots proprietary agentic AI platforms that autonomously complete complex multi-step tasks across internal systems to improve productivity in research, client profiling, and other operational areas. [1]
Customer Service
2025
Customer Facing
Traditional
Generative
Agentic
Outcome
Citigroup uses AI-enhanced interactive voice response (IVR) systems and agent assist tools to improve customer interactions, enabling faster response times and higher service quality in personal banking. [1]
Risk Assessment
2024
Traditional
Generative
Agentic
Outcome
Risk
AI-powered credit risk assessment models are customized to specific customer segments allowing Citi to better manage credit risks and offer tailored financial products. [1]
Loan Automation
2024
Traditional
Generative
Agentic
Outcome
Costs
Through partnership with Numerated, Citi automates the extraction and transfer of borrower financial data, streamlining commercial lending processes and reducing manual effort. [1]

Timeline

2026 Q1: no updates

2025 Q4

2 updates

Citi launches comprehensive AI training for all 175,000 employees to improve prompt engineering skills; AI deployments have freed over 100,000 developer hours weekly; AI is also being applied to streamline performance review writing.

2025 Q3

2 updates

Citi pilots agentic AI agents for staff productivity enhancement across research and client profiling with a planned 5,000 employee pilot; Citi Stylus Workspaces platform enhanced with agentic AI to turbocharge productivity, alongside wealth management AI deployment.

2025 Q2

2 updates

Citigroup accelerates AI rollout with new leaders, launching Citi AI suite to 15,000 employees in 11 markets including the US, Canada, and Hong Kong; over 2,000 AI Champions support adoption of generative models and agentic AI capabilities.

2025 Q1

1 updates

Citi explores agentic AI capabilities enabling autonomous, multi-task AI agents within the firm; the firm manages risk carefully to safely expand GenAI deployments.

2024 Q4

2 updates

Citi expands AI adoption through partnerships with Google Cloud to integrate Vertex AI, launching AI tools for 140,000 employees across eight countries to improve work simplicity and customer experience.

2024 Q3

1 updates

Citigroup partners with Numerated to automate commercial lending processes with AI, and advances AI-powered credit risk assessment models for customized customer segmentation.

2024 Q2

2 updates

Reports and analysis forecast AI's large scale impact including job displacement; Citigroup highlights AI’s potential to automate over half of banking jobs and drive profit growth, emphasizing compliance and operational transformation.

2024 Q1

1 updates

Senior executives emphasize generative AI’s transformative potential in banking internally, with caution around its application in customer support.

2023 Q4: no updates

2023 Q3

1 updates

Citi focuses on AI transforming wealth management through improved personalization and efficiency.

2023 Q2

1 updates

Citigroup publicly recognizes AI as a transformative game changer with a foundational report highlighting AI’s broad potential across industries.