Head of Branded Cards & Lending
Citi
Citigroup's Pam Habner is leading her bank into the fiercely competitive and lucrative high-end credit card market against giant competitors like American Express, Capital One and JPMorganChase.
"I've been in financial services for more than 30 years and the competition has always been fierce but today it is at a new level," said Habner, head of branded cards and lending for Citigroup, noting the rush of new and relaunched premium cards that are entering the market. Habner played a major role in the launch of Strata Elite, Citi's first card for high-end consumers in four years. This comes as Chase recently refreshed its Sapphire card with new travel, fitness and experience perks, and higher fees, and Amex plans a refresh of its Platinum card for 2025. Strata Elite has an annual fee of $595, less than Sapphire's $795 and Platinum's $695.
The future of agentic AI in banking and financial services is projected to have an enormous impact on the industry. In early days, understanding the potential roles of agentic AI and identifying use cases with the highest impact are critical to creating a successful strategic playbook and implementation. Whether it’s personalized wealth management, customer service automation, credit and lending decisions, or fraud detection, it’s imperative to understand the business value and return on investment (i.e., the reduction in cost-to-serve or an increase revenue through hyper-personalization). The roundtable will discuss the early use cases with the greatest promise and what key performance indicators are being used to measure successful agentic AI initiatives.