Driving Greater Financial Inclusion to Meet Customers Where They Are

October 17, 2023
Lisa Frison, Head of Financial Inclusion and Racial Equity

Everyone is pursuing a dream. But we are all on different paths to get there.

For many Americans, there are barriers and inequities when striving to reach financial goals. Access. Lack of familiarity with products. Concerns about fees. Those are a few of the factors influencing why unbanked and underbanked communities do not use or have access to financial institutions.

To expand banking access and accelerate wealth creation, Citi is focused on developing and implementing service and product enhancements to support financial progress for all. Our Financial Inclusion and Racial Equity (FI&RE) research has helped us better understand how to best meet the unique financial needs of unbanked and underbanked communities. From seeking resources that can help build and manage credit to transparency about banking fees and rules, we identified key barriers and pain points experienced by communities that traditionally don’t get heard. We listened to their goals, which ranged from immediate to longer-term priorities, to shape how we deliver solutions with an inclusion-centered approach. 

Bringing together some of Citi’s inclusive products, services, and tools into a new destination on, we are proud to introduce Citi Financial Pathways. Citi Financial Pathways was designed as a launch point to empower and help our customers make informed decisions about their financial future, regardless of where they are in their journey. Individuals can explore ways to achieve their dreams with strategies to manage money, understand credit, grow wealth, finance a home and run a business.


Links to carefully curated personal finance articles and money management resources offer additional guidance and context to customers, giving them the confidence to take the next step on their path to financial wellness. By offering content that is accessible and engaging throughout Citi Financial Pathways, we believe we can better educate and help our customers navigate their finances.

At Citi, we believe no one should feel or be excluded from the financial system or unable to access the tools they need to succeed. So, we are engaging teams across Citi and using the strength of our firm to support the multitude of pathways Americans can take to accomplish their financial goals.

We know our customers do all they can to support themselves and their loved ones. In turn, we want our customers to know we are doing our part to help drive financial inclusion and help close the racial wealth gap in America.

We know there is more work to do, and we will continue to deepen and expand our work in support of a more equitable future.

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