Citizens Bank is advancing its digital payments strategy in 2025, with a focus on embedded finance and omnichannel capabilities.

For example, Citizens is moving from screen scraping to an API-enabled environment, allowing it to use insights from its private banking segment in other segments, such as SMB, mid-market and commercial, Taira Hall, executive vice president and head of enterprise payments at the $217.5 billion Citizens, tells Bank Automation News in this episode of “The Buzz” podcast.

“One of the benefits of having an enterprise payments function is … we can look at all of our core payment rails and understand at scale … It’s sort of bringing this intertwined aspect to it … making sure that anything we build in one place has connectivity tissue into the rest of the bank,” she says.

The bank, she says, is moving forward with its multiyear digital transformation, focusing on:

• Fintech partnerships;
• Data and analytics investment;
• AI deployment; and
• Expanded capabilities for existing tools, such as the bank’s SMB-focused Cash Flow Essentials payments platform.

Learn more from Hall about how Citizens is looking to balance relationship banking with digital innovation in this episode of “The Buzz.”

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