It's essential for a big bank like Citi to keep up with the rapidly changing times ー that's why its leaders keeps their fingers on the pulse of technology and the resulting shift in how people live. "At Citi we pay attention not just to technological change ... but behavioral change, and structural change," Vanessa Colella, chief innovation officer at Citi and head of Citi Ventures, told Cheddar. Colella said when looking for startups in which to invest, Citi looks for technology or services that push the financial services industry forward. "We think of this as an ecosystem. It's not startups or big companies, it's how do we all work together to kind of push the frontier?'"