Citi Wealth launches AI assistant Citi Sky for US clients

Citi Wealth has introduced Citi Sky, an artificial intelligence assistant for its US wealth clients, built with Google Cloud and Google DeepMind technology.

The service will begin a phased US rollout to Citigold clients this summer and will sit alongside financial advisors on Citi Wealth platforms.

Citi Sky is designed to provide market information, remind clients about events such as certificate of deposit maturities, and support interactions through voice and avatar features. It will launch in English and Spanish, with more languages planned over time.

The launch expands Citi's use of Google's artificial intelligence systems from internal operations into client-facing wealth services. The companies have worked together for several years as part of the bank's broader digital strategy.

Client access

The assistant is intended to change how clients get market insights, act on investment opportunities, and interact with advisors. It was developed on Google's Gemini Enterprise Agent Platform and uses real-time avatar technology from Google DeepMind, along with Gemini's live audio and video models.

Client interactions are being built on a secure data foundation and are designed to comply with regulatory standards. Citi said the system is meant to support, not replace, human advisors.

Andy Sieg, Head of Wealth at Citi, said the launch reflects the bank's view of how wealth management is evolving. "We believe Citi Sky will change the model of wealth management," he said.

He said the service is designed to simplify how clients engage with financial advice. "For decades, managing your financial life meant navigating apps, calls, and meetings. With Citi Sky, you simply ask - and act. This is the shift from interface to intelligence, from transactions to outcomes," Sieg said.

He also addressed the intended balance between the digital assistant and Citi's advisory workforce. "At the center is a universal question: 'Am I financially ok?' Citi Sky answers that in real time - bringing together insight and execution in a way that is simple and clear. It doesn't replace our advisors - it makes them more powerful, extending their reach and deepening their impact. In fact, Citi Wealth plans to add advisors in the years ahead," he said.

Google role

Google Cloud said the project drew on its broader artificial intelligence stack, from cloud infrastructure to Gemini models, while Google DeepMind provided the avatar layer used for audio and video conversations. Google Cloud engineers also worked with Citi on deployment.

Thomas Kurian, Chief Executive Officer of Google Cloud, linked the launch to a broader shift in financial services. "The future of financial services lies in the ability to turn vast amounts of data into conversational, actionable intelligence for investors," he said.

He described Citi Sky as an example of how banks are beginning to apply agent-based artificial intelligence to customer service. "With Gemini Enterprise as the backbone of Citi Sky, combined with frontier models from Google DeepMind, Citi Wealth is establishing a new blueprint for how agentic AI can drive high-quality, personalized financial insights for millions of its customers," Kurian said.

The initiative was developed with Citi's Wealth Intelligence team, led by Joe Bonanno; the Wealth Technology organisation, led by Dipendra Malhotra; and the Wealth Marketing team, led by Patty Sachs.

For Citi, the launch shows how large banks are trying to bring generative artificial intelligence into advisory and service models while keeping human staff involved. For Google Cloud, it offers another example of a major financial institution using its artificial intelligence tools in a customer-facing setting.

Over time, Citi Sky will be integrated across the bank's US wealth platforms to work alongside advisors as clients make financial decisions.