I believe technology will continue to be a driving force of innovation in multiple ways not only for the banking industry, but across a range of industries. Technology enables a whole different model of how goods and services are developed, deployed and consumed. For banking, financial technology (Fintech) is developing at an unprecedented pace. This is particularly true in China given the size of the digital ecosystem. Driven by ongoing trends of digitization, urbanization and globalization, banks, including Citi, are adapting our strategies so that we can leverage on the newest technology to continue meeting our customers’ evolving needs and preferences.