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<p>India is a land of opportunities with an abundance of entrepreneurial success stories. However, what we have here are no ordinary tales. These are stories of entrepreneurs who followed their passion and calling to build businesses that not only created opportunities for the people of their land but also played a prominent role in shaping the India of today.</p>

A short film series by Citi Commercial Bank, India - The Makers Of India, chronicles and celebrates the journey of visionary leaders who also happen to be our esteemed client partners. They are the driving force behind pioneering businesses from across pharmaceutical, chemical, sourcing and supply chain, and manufacturing. Enjoy watching their inspiring journey of passion, excellence, and resilience.

Meet the co-founders of Geniemode, Mr. Tanuj Gangwani and Mr. Amit Sharma. Watch their incredible journey of building a thriving business driven by an intuitive platform that helps bridge the gap between buyers and sellers. In just over a year, they have built a strong and successful network of 200+ suppliers and 100+ buyers!

The Geniemode Story

The Makers Of India

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<div><strong>Founded in 2005 with the launch of its first accommodation portal, Yanolja (which means &ldquo;Hey, let&rsquo;s play!&rdquo; in Korean) has become the largest travel, leisure and hospitality platform in Korea and a major player around the world. Its technology powers the global hospitality market with cloud-based platforms for hotels, restaurants and leisure facilities. Yanolja&rsquo;s app has been downloaded more than 59mn times, and 20mn members use its platforms.</strong></div>
<div>&nbsp;</div>
<div><strong>Yanolja has experienced rapid and significant growth in recent years. Why do you think it&rsquo;s been so successful? </strong></div>
<div>&nbsp;</div>
<div>Most companies bringing digital solutions into the travel, leisure and hospitality industry have focused on one aspect of the customer experience, whether hotels, travel or restaurants. Rarely do they focus on the business-to-business exchange of data and transactions across the value chain. This results in a disconnected experience for consumers, as the different elements of their travel experience are not joined up. For example, you may have already submitted your identification and card information when booking a hotel, but you then have to produce this again when you check in.</div>
<div>&nbsp;</div>
<div>Conversely, our focus at Yanolja has been to provide an end-to-end solution across the travel, leisure and hospitality ecosystem, bringing a wide range of categories, from flights and hotels through to rail tickets, restaurants, and rental cars into a single experience. We have expanded the traditional flight-and accommodation model to embrace a full range of leisure categories, including concerts and theatre, restaurants and event spaces. By expanding and diversifying, we can improve the customer experience, encourage loyalty, and substantially improve the lifetime value per customer.</div>
<div>&nbsp;</div>
<div>
<div>To do this requires an end-to-end flow of data, which we enable through our cloudbased global data platform, underpinning a smooth experience for consumers, as well as for the providers who sell their services through the platform. This also allows us to distribute inventory in an efficient way. To remain competitive, platforms need to continue to expand their inventory of hotel rooms or other categories relevant to their sector. Typically, this would rely on employing a sales team. Our platform automates this process. It also enables diversification into new categories, with inventory available from more than 90 booking platform partners. As a result, while a typical hotel booking platform might have 5,000 hotels in its inventory, we can offer five times as many.</div>
<div>&nbsp;</div>
<div>
<div><strong>Why did you select Citi as your banking partner?</strong></div>
<div>&nbsp;</div>
<div>At the start of our journey, our aim was to support Korean customers in their outbound travel, and provide an inventory to platforms helping inbound customers travel to and around Korea. However, right from the beginning, we kept an eye on the future. We knew that to create the growth story we were seeking, we&rsquo;d need to tap into the global travel market. This strategy underpinned the development of our cloud-based platform.</div>
<div>&nbsp;</div>
<div>To support this strategy, we needed a global banking partner rather than appointing banks in each country. This was a difficult ask as a startup company, but we were rapidly building credibility in the Korea market and we worked closely with Citi to build mutual trust and a strong relationship. Citi understood and invested in our vision and had the confidence in Yanolja and the team to help enable our global expansion.
<div>&nbsp;</div>
<div>
<div><strong>How has the relationship </strong><strong>with Citi contributed to your </strong><strong>success?</strong></div>
<div>&nbsp;</div>
<div>The result of our partnership has been transformative. With Citi&rsquo;s help, we&rsquo;ve been able to expand both regionally and globally. We have complemented our global data platform with Citi&rsquo;s virtual card solution to enable the smooth, efficient and secure flow of funds across the ecosystem. The platform now supports 60 languages and is used in 170 countries. We have over 50,000 hotel clients globally, with over 70 percent of our clients located outside Korea, particularly in South East Asia, India and Africa, with expansion now into the Americas and Europe.</div>
<div>&nbsp;</div>
<div>There are three further factors I would highlight. First, the Citi team has been quick to understand our business strategy and risk, and to present and implement solutions that meet our needs. This speed of decision-making and execution is essential for a fast-growing business. Second, the partnership between Citi and Yanolja has built confidence among our global customers, particularly as a new business expanding into new markets. Thirdly, our working relationship has been open and collaborative. Citi and Yanolja have different strengths and areas of expertise, and we are very comfortable asking questions and relying on the bank&rsquo;s problem-solving abilities as we seek to maximise our impact in new markets.</div>
<div>&nbsp;</div>
<div>
<div><strong>Yanolja has </strong><strong>grown through </strong><strong>acquisition as well as organic </strong><strong>growth. What opportunities </strong><strong>&ndash; and challenges &ndash; has this </strong><strong>created?</strong></div>
<div>&nbsp;</div>
<div>Yanolja is both a travel and technology solutions business. To diversify across new travel, leisure and hospitality categories in an organic way takes time, so acquisitions have helped us to build capacity quickly. From a solutions perspective, we pride ourselves in the strength of our cloud-based technology. When we acquire a business in a new location or category, migrating from their on-premise or hybrid solutions to our platform can be transformative. At the same time, we benefit from their local expertise and insights so that we can deliver better solutions in that category or country.</div>
<div>&nbsp;</div>
<div>Mergers and acquisitions can bring challenges, too, not least the need to avoid fragmentation and loss of cultural, financial and technical cohesion. Citi has helped significantly with this through its consistent global solutions and platforms so we can maintain the same processes and reporting across our footprint. We&rsquo;ve set up an internal team that is dedicated to post-merger integration, to make sure we derive the best value from acquired entities and vice versa.</div>
<div>&nbsp;</div>
<div>Business culture is an important aspect of successful post-merger integration. We educate our new and existing employees to take a &ldquo;Lego&rdquo; approach to change: if the blocks that make up a new process or idea don&rsquo;t work, we change them. This is important both for &ldquo;business as usual&rdquo; and in the way that we integrate and expand our business in future.</div>
<div>&nbsp;</div>
<div>
<div><strong>What major changes do you </strong><strong>see coming up in travel, </strong><strong>leisure and hospitality?</strong></div>
<div>&nbsp;</div>
<div>I see the industry evolving in two key areas: improving customer experience through greater personalisation and automation, and embracing net zero carbon emissions objectives. Yanolja is taking a leading role in both of these areas.</div>
<div>&nbsp;</div>
<div>We gather the wealth of data that is exchanged on our global platform into a data lake that forms the foundation of sophisticated AI capabilities. This will allow us to create an increasingly personalised experience for customers, allowing them to book everything they need for their vacations or business trips quickly and easily by presenting options that fit their preferences and budget. New opportunities through blockchain, big data and the metaverse will also become increasingly important, and we are putting significant investment into these areas. For example, by decentralising customer identification using blockchain, it will become far easier for accommodation and transportation providers to access this information. Hotel key cards become obsolete with access through a mobile phone based on the identity of the owner.
<div>&nbsp;</div>
<div>Currently, the global travel and tourism accounts for 8&ndash;11 percent of global carbon emissions<sup>1</sup>. As the World Travel &amp; Tourism Council report emphasises, &ldquo;Travel &amp; Tourism has both a responsibility and an opportunity to be a catalyst for change.&rdquo;<sup>2</sup> For example, we can use our technology and wealth of data to help customers make choices that reduce their environmental impact, including minimising carbon emissions and eliminating waste. This is a major area of ongoing focus as we look to achieve net zero carbon emissions by 2050, and limit global warming to 1.5C this century in line with the Paris Agreement.</div>
<div>&nbsp;</div>
<div>
<div><strong>What new demands will these </strong><strong>shifts place on Yanolja and </strong><strong>your banking partners?</strong></div>
<div>&nbsp;</div>
<div>Credit is essential to enable travel, leisure and hospitality companies to invest in their customer solutions and services. However, it is not always easy for financial institutions to calculate the appropriate credit risk to providers or customers. By leveraging our data and banks&rsquo; balance sheets, we increasingly see a role in helping to provide credit and liquidity throughout the value chain.</div>
<div>&nbsp;</div>
<div>
<div><strong>Based on your experience, </strong><strong>what would your advice be to </strong><strong>CEOs of other digital </strong><strong>companies embarking on a </strong><strong>rapid growth trajectory?</strong></div>
<div>&nbsp;</div>
<div>Two things: focus on global, and focus on technology. Too often, companies look at short term returns in their chosen industry, but to achieve significant and sustainable growth, senior managers need to focus on fundamentally changing the industry. Taking a global perspective, rather than limiting solutions to what fits a single market, is a helpful way to do this. Next is technology. If a manufacturing company has an efficient factory producing a highquality product that people want, it is likely to be successful. For a platform business, your technology is the factory. Without good technology, it is impossible to create high-quality, repeatable and scalable solutions. This is not a one-off project, but a continuous process of research and development to upgrade and remain competitive.</div>
<div>
<div>&nbsp;</div>
<div><a title="VIEW ALL INSIGHTS" href="https://icg.citi.com/icghome/what-we-do/commercial-bank/insights?pk_campaign=view_all_insights"><img src="https://icg.citi.com/rcs/v1/media/icgPublic/akpublic/storage/retrieveMediaFile/62cdb786cbd420718de2e713" alt="VIEW" /></a></div>
<div>&nbsp;</div>
<div>
<div><span style="font-size: 0.875rem;"><sup>1 </sup>Source: World Travel &amp; Tourism Council (WTTC) <a href="https://wttc.org/" target="_blank" rel="noopener">https://wttc.org/</a>Portals/0/Documents/Reports/2021/WTTC_Net_Zero_Roadmap.pdf Page 13</span></div>
<div><span style="font-size: 0.875rem;"><sup>2 </sup>WTTC, ibid. Foreword</span></div>
</div>
<div><span style="font-size: 0.875rem;">&nbsp;</span></div>
<div>
<div><sub>Disclaimer</sub></div>
<div><sub>IRS Circular 230 Disclosure: Citigroup Inc. and its affiliates do not provide tax or legal advice. Any discussion of tax matters in these materials (i) is not intended or written to be used, and cannot be used or relied upon, by you for the purpose of avoiding any tax penalties and (ii) may have been written in connection with the &ldquo;promotion or marketing&rdquo; of any transaction contemplated hereby (&ldquo;Transaction&rdquo;). Accordingly, you should seek advice based on your particular circumstances from an independent tax advisor.</sub></div>
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<div><sub>&copy; 2022 Citibank, N.A., Singapore branch. Regulated by the Monetary Authority of Singapore. All rights reserved. Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.</sub></div>
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In conversation with Jong Yoon Kim, Chief Executive, Yanolja

Shervone Saw and Young Jun Choi from Citi's Commercial Bank in Asia Pacific, along with Thus DeSilva from the APAC Commercial Cards team for Treasury and Trade Solutions at Citi, sat down with Jong Yoon Kim, Chief Executive of Yanolja, to learn more about the company's growth journey

Travel and Leisure into the Future with Yanolja

Transcript <div>Wolt:</div>
<div>Wolt as a business was founded in 2014 here in Helsinki in Finland. As we've grown, we've moved from food delivery into over the counter medicine, groceries, chocolates, flowers, anything you want in the city so consumers have access to anything at their doorstep. Right now, Wolt operates in 23 countries, over 300 cities, with about 7,000 employees.</div>
<div>&nbsp;</div>
<div>In the very early days right after founding, we realised that our expansion needs were going to be quite dramatic so as we knew that we were going to expand in a lot of countries, we approached Citi because we knew that they could be a global banking partner.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I remember the meeting with the founders back in the days in 2015, '16, and we had a whiteboarding session. Wolt explained this new business model of having your food delivered, supporting restaurants, local communities, and we were truly fascinated by the entrepreneurial spirit, the energy.</div>
<div>&nbsp;</div>
<div>What was important for Wolt at the time was to really find the global bank, which they could scale with, and we're truly grateful that Wolt decided to go with Citi.</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>Citi had great customer service, a single point of contact, and gave us lots of advice on how to set up our banking structures.</div>
<div>&nbsp;</div>
<div>As Wolt has grown, we have entered new markets with new currencies and new payment methods, which means that the whole payment landscape has changed and become more complex.</div>
<div>&nbsp;</div>
<div>In addition to cash management, FX, trading guarantee needs, we have also built upon our connectivity, the global connectivity. We were able to make sure that the Wolt Treasury in Finland has the control and access as they needed to commercial flows.</div>
<div>&nbsp;</div>
<div>Apart from a robust payment engine, Citi also provides a very good centralised platform, great visibility, and possibility to manage liquidity from centralised treasury,&nbsp; which we do. They have lots of global tools that are really important for us.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I truly enjoy working with the team at Wolt. Trust has been key for our relationship and we continue to build on that.</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>In our rapid growing environment, having somebody that you can trust, that you can rely on, that is there on that journey for you, we've really loved that partnership with Citi.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I remember meeting one of the founders in the early days and he explained that they're doing this expansion, not because it's easy, it's because it's nearly impossible and they're truly disrupting something, and of course it's super exciting to see what's next, right?</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>We've only just gotten started as a company, it's very, very early days with regards to local commerce and our mission is to make cities better places to live and hope we can continue to do that together with Citi.</div> 

<div>Wolt:</div>
<div>Wolt as a business was founded in 2014 here in Helsinki in Finland. As we've grown, we've moved from food delivery into over the counter medicine, groceries, chocolates, flowers, anything you want in the city so consumers have access to anything at their doorstep. Right now, Wolt operates in 23 countries, over 300 cities, with about 7,000 employees.</div>
<div>&nbsp;</div>
<div>In the very early days right after founding, we realised that our expansion needs were going to be quite dramatic so as we knew that we were going to expand in a lot of countries, we approached Citi because we knew that they could be a global banking partner.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I remember the meeting with the founders back in the days in 2015, '16, and we had a whiteboarding session. Wolt explained this new business model of having your food delivered, supporting restaurants, local communities, and we were truly fascinated by the entrepreneurial spirit, the energy.</div>
<div>&nbsp;</div>
<div>What was important for Wolt at the time was to really find the global bank, which they could scale with, and we're truly grateful that Wolt decided to go with Citi.</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>Citi had great customer service, a single point of contact, and gave us lots of advice on how to set up our banking structures.</div>
<div>&nbsp;</div>
<div>As Wolt has grown, we have entered new markets with new currencies and new payment methods, which means that the whole payment landscape has changed and become more complex.</div>
<div>&nbsp;</div>
<div>In addition to cash management, FX, trading guarantee needs, we have also built upon our connectivity, the global connectivity. We were able to make sure that the Wolt Treasury in Finland has the control and access as they needed to commercial flows.</div>
<div>&nbsp;</div>
<div>Apart from a robust payment engine, Citi also provides a very good centralised platform, great visibility, and possibility to manage liquidity from centralised treasury,&nbsp; which we do. They have lots of global tools that are really important for us.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I truly enjoy working with the team at Wolt. Trust has been key for our relationship and we continue to build on that.</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>In our rapid growing environment, having somebody that you can trust, that you can rely on, that is there on that journey for you, we've really loved that partnership with Citi.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I remember meeting one of the founders in the early days and he explained that they're doing this expansion, not because it's easy, it's because it's nearly impossible and they're truly disrupting something, and of course it's super exciting to see what's next, right?</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>We've only just gotten started as a company, it's very, very early days with regards to local commerce and our mission is to make cities better places to live and hope we can continue to do that together with Citi.</div>

Transcript

Transcript <div>Wolt:</div>
<div>Wolt as a business was founded in 2014 here in Helsinki in Finland. As we've grown, we've moved from food delivery into over the counter medicine, groceries, chocolates, flowers, anything you want in the city so consumers have access to anything at their doorstep. Right now, Wolt operates in 23 countries, over 300 cities, with about 7,000 employees.</div>
<div>&nbsp;</div>
<div>In the very early days right after founding, we realised that our expansion needs were going to be quite dramatic so as we knew that we were going to expand in a lot of countries, we approached Citi because we knew that they could be a global banking partner.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I remember the meeting with the founders back in the days in 2015, '16, and we had a whiteboarding session. Wolt explained this new business model of having your food delivered, supporting restaurants, local communities, and we were truly fascinated by the entrepreneurial spirit, the energy.</div>
<div>&nbsp;</div>
<div>What was important for Wolt at the time was to really find the global bank, which they could scale with, and we're truly grateful that Wolt decided to go with Citi.</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>Citi had great customer service, a single point of contact, and gave us lots of advice on how to set up our banking structures.</div>
<div>&nbsp;</div>
<div>As Wolt has grown, we have entered new markets with new currencies and new payment methods, which means that the whole payment landscape has changed and become more complex.</div>
<div>&nbsp;</div>
<div>In addition to cash management, FX, trading guarantee needs, we have also built upon our connectivity, the global connectivity. We were able to make sure that the Wolt Treasury in Finland has the control and access as they needed to commercial flows.</div>
<div>&nbsp;</div>
<div>Apart from a robust payment engine, Citi also provides a very good centralised platform, great visibility, and possibility to manage liquidity from centralised treasury,&nbsp; which we do. They have lots of global tools that are really important for us.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I truly enjoy working with the team at Wolt. Trust has been key for our relationship and we continue to build on that.</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>In our rapid growing environment, having somebody that you can trust, that you can rely on, that is there on that journey for you, we've really loved that partnership with Citi.</div>
<div>&nbsp;</div>
<div>Citi Commercial Bank Spokesperson:</div>
<div>I remember meeting one of the founders in the early days and he explained that they're doing this expansion, not because it's easy, it's because it's nearly impossible and they're truly disrupting something, and of course it's super exciting to see what's next, right?</div>
<div>&nbsp;</div>
<div>Wolt:</div>
<div>We've only just gotten started as a company, it's very, very early days with regards to local commerce and our mission is to make cities better places to live and hope we can continue to do that together with Citi.</div>  <p><a title="VIEW ALL INSIGHTS" href="https://icg.citi.com/icghome/what-we-do/commercial-bank/insights?pk_campaign=view_all_insights"><img src="https://icg.citi.com/rcs/v1/media/icgPublic/akpublic/storage/retrieveMediaFile/62cdb786cbd420718de2e713" alt="VIEW" /></a></p>

Hear directly from the team at Wolt, an e-commerce company that started in Finland and is expanding into new markets, about how Citi’s global network and solutions has helped them expand internationally.

Helping Wolt Grow Internationally

<p><span style="font-size: 24px;">Learn more at <a href="https://icg.citi.com/icghome/what-we-think/commercial-bank/insights/enabling-growth-and-progress-for-flywire" data-link-source="tiny">Enabling Growth and Progress for Flywire</a>&nbsp;</span></p>

Small- and Medium-sized Enterprises (SMEs) are a powerful driving force behind economic growth, fostering creativity and contributing significantly to job creation. This is why Citi is dedicated to supporting its clients by responsibly providing them with financial services to help them succeed. Citi has put this mission into action, which can be seen through its relationship with Flywire, a global payments enablement and software company.  With Citi as their banking partner, Flywire has been able to grow to over 1,000 employees across 14 offices globally, and expand into new business sectors worldwide, including education, healthcare, travel and B2B. 

How Citi Helped Flywire Expand Internationally

<p style="box-sizing: border-box; margin: 0px 0px 9.8px; padding: 0px; border-width: 0px; font-stretch: inherit; font-size: 14px; line-height: inherit; vertical-align: baseline; background-color: #ffffff;"><span style="font-size: 16px;">In this special podcast series brought to you by Citi Commercial Bank in celebration of International Women&rsquo;s Day we will speak to inspiring professionals who embody the spirit of entrepreneurship and champion the power of women in the working world.</span></p>
<p style="box-sizing: border-box; margin: 0px 0px 9.8px; padding: 0px; border-width: 0px; font-stretch: inherit; font-size: 14px; line-height: inherit; vertical-align: baseline; background-color: #ffffff;"><span style="font-size: 16px;">In this episode, Rachel Kelly speaks with Jocelin Soon, Group Chief Financial Officer of Interplex.</span></p>
<p style="box-sizing: border-box; margin: 0px 0px 9.8px; padding: 0px; border-width: 0px; font-stretch: inherit; font-size: 14px; line-height: inherit; vertical-align: baseline; background-color: #ffffff;"><span style="font-size: 16px;">Jocelin worked her way up from Finance Manager to CFO while raising a family - she joins us now to share her story.</span></p>
<p style="box-sizing: border-box; margin: 0px 0px 9.8px; padding: 0px; border-width: 0px; font-stretch: inherit; font-size: 14px; line-height: inherit; vertical-align: baseline; background-color: #ffffff;">&nbsp;</p>
<p style="box-sizing: border-box; margin: 0px 0px 9.8px; padding: 0px; border-width: 0px; font-stretch: inherit; font-size: 14px; line-height: inherit; vertical-align: baseline; background-color: #ffffff;"><a title="VIEW ALL INSIGHTS" href="https://icg.citi.com/icghome/what-we-do/commercial-bank/insights?pk_campaign=view_all_insights" data-link-source="tiny"><span style="font-size: 16px;"><img src="https://icg.citi.com/rcs/v1/media/icgPublic/akpublic/storage/retrieveMediaFile/63f661c2bcbcdf129897ab7b" alt="VIEW" /></span></a></p>

MONEY FM Podcast, presented by Citi Commercial Bank. INSPIRING ENTREPRENEURS: What does it take to be a successful c-suite Mum?

<p>Hong Kong-based company, Lukfook Jewellery, wanted to enhance payment efficiency to its suppliers to help it expand. Working with Citi Commercial Bank enabled Lukfook Jewellery to get advice and access a variety of payment solutions via a single portal. &nbsp;This helps Lukfook Jewellery to be more digital and opens up new growth opportunities.</p>
<p>&nbsp;</p>
<p><a title="VIEW ALL INSIGHTS" href="https://icg.citi.com/icghome/what-we-do/commercial-bank/insights?pk_campaign=view_all_insights" data-link-source="tiny"><img src="https://icg.citi.com/rcs/v1/media/icgPublic/akpublic/storage/retrieveMediaFile/63f661c2bcbcdf129897ab7b" alt="VIEW" /></a></p>