Citibank Singapore’s digital wealth management transactions increased 165% in the last two years due to a revamp of its mobile app and website, as well as the introduction of over a hundred features to its wealth products. The bank’s wealth management arm, Citi Wealth, has shifted its digital ecosystem to speak in the wealth language, with four of five clients using the digital app regularly. One of the biggest changes is an auto top-up feature allowing brokerage clients to invest in US dollars, with Citi doing the foreign currency swap for the client in real time. Citi also doubled mutual fund transactions and introduced an easy visualiser for clients to quickly see their wealth portfolio movements. Wealth management is now in the era of hybrid experiences, with clients using digital platforms while still talking to relationship managers. Citi combines digital and human access, allowing clients to swiftly authorise transactions without speaking with an advisor face-to-face. The bank has also created a secure WhatsApp channel for relationship managers to interact with clients.