Q Division talks with Gulru Atak Gundem, Citi's Business Development/Innovation Lead about how the banking sector is being reshaped by fintech start-ups and the role Citibank plans to play in the future of financial services. Key topics covered: Competing with Big Tech (google, amazon, apple) Services for ecommerce/D2C, Cryptocurrency, Blockchain, Alternative payment platforms, digital ecosystems (across devices, in-store/on-line), adapting to new customers expectations in the wake of accelerated digital behaviors.