How Charlie Finance’s team of crack mobile game designers is working to fix personal finance

Artificial Intelligence, Banking, Data, Member Exclusive

Before chasing AI, Bank of America wants banks to fix their data first

• Bank of America has resisted the urge to use AI as a shortcut to efficiency, a temptation that has driven many companies into expensive and poorly conceived AI investments.
• EricaAssist offers the clearest example of Bank of America's data-first AI strategy, with the bank recently enhancing the employee assistant by integrating Gen AI capabilities.

Artificial Intelligence, Member Exclusive

Intuit Credit Karma wants to answer the question every PFM app avoids

• Intuit Credit Karma is stitching together a suite of AI-powered assistants, each designed for a different financial decision but all drawing from the same evolving view of a customer's finances.
• Rather than forcing every financial question through the same AI model, the firm is selecting the reasoning engine that best matches the decision being made.

AI Innovation, Banking, Payments

How J.P. Morgan Payments eliminated 13 billion keystrokes a year by automating the paper behind payments

• Rather than waging war on checks, J.P. Morgan Payments is tackling the manual workflows behind them.
• JPM Payments' systems now process more than 4,000 envelope and document variations, while its AI platform delivers over 99.999% accuracy in data extraction and business-rule validation.

AI Innovation, Artificial Intelligence, Payments

J.P. Morgan Payments’ Michael Lozanoff on why agentic commerce can’t scale without governance

• AI agents today can already handle end-to-end commerce. The open question is whether those actions can be trusted at scale.
• Intelligence is becoming table stakes as AI scales. The differentiator shifts to governance: agent identity, permissions, and enforceable limits.

AI Innovation, Artificial Intelligence, Member Exclusive, Payments

The real power struggle in agentic commerce isn’t building the smartest AI agents; it’s governing them

• J.P. Morgan Payments is moving the conversation beyond capability and toward the infrastructure and framework required to govern AI agents.
• Data is emerging as a core ingredient of agentic commerce, shaping the information agents can access and the decisions they can make.