In this final episode of the Citi Institute podcast, host Alex Miller is joined by Hon. Caroline Pham, Acting Chairman, CFTC and Ronit Ghose, Global Head, Future of Finance, Citi Institute to discuss digital money, crypto assets, and blockchain-based financial services, addressing the rapidly evolving policy and regulatory landscape.

Hon. Caroline Pham, Acting Chairman, CFTC highlights the crypto value propositions and the importance of regulatory clarity to enable crypto innovation.

Ronit Ghose, Global Head, Future of Finance, Citi Institute shares insights on programmable money and smart contracts, and how digital money is evolving from account-based to token-based systems.

Our guests reflect on a future where digital money, crypto assets, and blockchain-based financial services become more integrated into the broader financial ecosystem, enabled by regulatory clarity and institutional adoption.

Citigroup (“Citi”), and Commodity Futures Trading Commission (“CFTC”) are not affiliated and are independent from each other. The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

In this episode of the Citi Institute podcast, host Alex Miller is joined by Kelly Ahuja, CEO, Versa Networks and John Collmer, Global Head of ECM Private Placements, Citi to discuss Fundraising, exploring the critical journey for companies at various stages of growth, from venture funding to IPOs and sharing insights on the strategies, considerations, and key decisions that shape a company's financial trajectory.

Citigroup (“Citi”), and Versa Networks are not affiliated and are independent from each other. Though Versa Networks has a client relationship with Citi through Citi's banking and international business. The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

In this special episode of The Citi Institute Podcast, host Ronit Ghose is joined by Prag Sharma, Global Head, Artificial Intelligence Centre of Excellence (AI CoE) to discuss the potential use cases for Agentic AI in finance and business, addressing the impact on the workforce and what it might mean for Leaders.

Prag highlights important considerations for organizations looking to implement Agentic AI, such as defining use cases, governance and risk management, and integrating it with existing tools and infrastructure.

Our guest reflects on potential benefits for clients and provides insights on the rapid pace of AI development and the need for the right governance, risk controls, and up-skilling of employees to work effectively with the technology.

The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

In this episode of the Citi Institute podcast, host Alex Miller is joined by Chayce Horton, Wealth Management Team at Cerulli and Chuck Cavanaugh, Citi U.S. Consumer Wealth Management to discuss The Great Wealth Transfer - the $124 trillion expected to be transferred from baby boomers and older generations to younger generations such as Gen X and millennials by 2048, and to share their insights on proactive financial planning, education, and relationship-building between advisors and the inheriting generations to help ensure a smooth and prudent transfer.

Chayce Horton, Wealth Management Team at Cerulli highlights some common misconceptions about the wealth transfer, such as the assumption that all millennials will benefit equally.

Chuck Cavanaugh, Citi U.S. Consumer Wealth Management emphasizes the importance of comprehensive estate planning, tax-efficient wealth transfer strategies, and proper beneficiary designations for the older generation.

Our guests reflect on the some of the challenges and misconceptions and highlight the importance of open communication and transparency within families.

Citigroup (“Citi”), and Cerulli are not affiliated and are independent from each other. The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citigroup Inc. and its affiliates do not provide tax or legal advice.

In this episode of the Citi Institute podcast, host Alex Miller is joined by Candi Wolff, Citi’s Head of Global Government Affairs and Nathan Sheets, Global Chief Economist at Citi to discuss the rationale for the current U.S. tariff regime, and to share their insights on the administration's ongoing trade negotiations and the global impact.

Candi Wolff, highlights the importance of understanding the political processes and key decision-makers (such as the president) in shaping US trade policy.

Nathan Sheets, Global Chief Economist at Citi provides an overview of the different trade corridors (China, USMCA, and the rest of the world) and the varying degrees of difficulty in negotiating tariff deals within each.

Our guests reflect on the broader geopolitical and technological disruption, with AI and digital transformation accelerating amid the trade tensions.

The speaker's views are their own may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

In this special episode of the Citi Institute podcast, host Ronit Ghose is joined by Ryan Rugg, Head of Digital Assets for Treasury and Trade Solutions, Citi to discuss the possibilities and challenges that come with Tokenization, and to share their insights on 24/7 Finance and what it might mean for industries and society as a whole.

Ryan Rugg, Head of Digital Assets for Treasury and Trade Solutions, Citi is optimistic that 2025 will mark broader institutional adoption of digital assets as global and U.S. clarity increases.

Our guest reflects on tokenization, programmable finance, and global 24/7 infrastructure as transformative for the financial system — if built within a compliant, scalable framework.

The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

In this episode of The Citi Institute podcast, host Alex Miller is joined by Shenwei Zhu, Managing Director, Investment Banking Division, Citi and Felix Zhang, CEO and Founder, Pudu Robotics to discuss the possibilities and challenges that come with the rapid advancements in the field of robotics, the rise of AI-powered robots that can see, learn, move, talk, and take actions, and what that means for the future.

Shenwei Zhu, Managing Director, Investment Banking Division, Citi highlights the importance of data availability and techniques like virtual simulation to train physical AI models and the potential impact of robotics on the labor force.

Felix Zhang, CEO and Founder, Pudu Robotics offers advice for aspiring robotics entrepreneurs, emphasising the importance of technology, long-term vision, customer collaboration, and global expansion.

Our guests share insights on the growth of the robotics industry, emerging policy and regulatory considerations, including implications for the labor force.

In this episode of The Citi Institute podcast, host Alex Miller is joined by Greg Ulrich, Chief AI and Data Officer, Mastercard and Sophia Bantanidis, Analyst, Future of Finance, Citi Institute team, to discuss the possibilities and challenges that come with creating AI systems, and to share their insights on Agentic AI technologies and innovations and what it might mean for industries, creativity, and society as a whole.

Greg Ulrich, Chief AI and Data Officer, Mastercard provides an optimistic outlook on the sustainable and transformative impact of AI on commerce and society at large, the key drivers of growth, and the role of emerging technologies.

Sophia Bantanidis highlights the different types of Artificial Intelligence, the need for investment in cyber technology, and how banks are responding to Agentic AI.

Our guests reflect on the cost profile, the opportunities for commerce, and the need for ethical and responsible AI development.