Tim Ryan, Citi's tech chief, said banks will win based on how many people are using AI, more than their specific AI tools.

Citi is betting on Tim Ryan, a mild-mannered Bostonian, to bring it into the future. Two years into his tenure, it's still no easy job.

Tim Ryan, Citi's tech chief, said banks will win based on how many people are using AI, more than their specific AI tools.