Banking, Member Exclusive
What happens when the biggest bank starts thinking like a tech firm? The 3 pillars transforming J.P. Morgan’s banking model
- With every passing year, J.P. Morgan is taking deliberate steps to rearchitect how its financial infrastructure works — internally, externally, and everywhere in between.
- It’s doing that through three interlocking shifts across three fronts: AI, embedded finance, and blockchain rails.
The largest US bank by assets is carving out a differentiated path, defined by structural depth.
With every passing year, J.P. Morgan is taking deliberate steps to rearchitect how its financial infrastructure works — internally, externally, and everywhere in between. It’s doing that through three interlocking shifts across three fronts: AI, embedded finance, and blockchain rails.
These may appear to be separate tracks. But taken together, they point to a coherent and disciplined vision. Through this approach, J.P. Morgan is relocating banking into machine intelligence, into workflows, and onto programmable rails. And that transition is as much about internal control and trust as it is about distribution and speed.
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