In a statement, Citi said: "Customers, not products, are driving Citi's strategy for North America consumer banking, and we understand we have a great deal to do to improve the overall customer experience. We're on a very significant journey to make it simpler, more rewarding, and highly transparent to bank with us." NEW YORK — Citigroup appears to be shifting its strategy in its U.S. retail banking business, focusing on its strongest markets rather than trying to expand across the country. Full Article at The San Jose Mercury News