Global Head of Instant Payments
Citi
Virginie Dhouibi is a Managing Director and Global Head of Instant Payments at Citi, where she oversees the strategic direction and implementation of real-time payment solutions worldwide. She is a key architect of Citi’s digital transformation, driving industry innovation, developing Citi's global value proposition across 65+ countries, and engaging with regulators to shape emerging standards.
Virginie champions thought leadership, notably co-authoring Citi's "Real-Time" Global Perspectives and Solutions report and speaking at various forums like the Citi Institute's Future of Finance Forum on the "Impact of Real-Time Payments."
Her diverse 20-year career, including leadership roles at J.P. Morgan and her multicultural background bring a unique global perspective to her role.
The combination of AI and blockchain is moving payments beyond faster transactions toward smarter, more autonomous systems, driven by machine learning, smart contracts, and decentralized networks that enable predictive risk management, dynamic pricing, and programmable money.
So what happens when payments systems can learn, adapt, and self-execute? This panel brings together experts in AI, blockchain, and financial services to explore how intelligent automation and trustless infrastructure are converging to redefine payments. From autonomous fraud detection to self-settling transactions, the discussion will highlight the opportunities, risks, and strategic decisions shaping the next generation of global payments.