How MasterCard Labs fosters a culture of payments innovation

AI Innovation, Member Exclusive, Payments

Paper still defines payments’ last mile. J.P. Morgan Payments thinks AI and robotics can tackle that.

• Most payment discussions assume the biggest challenge is moving money from Point A to Point B. What if the bigger bottleneck is actually the operational noise surrounding the payment?
• Investing in checks sounds like a step backward, but J.P. Morgan Payments is doing exactly that – because paper checks still create the greatest operational friction in the modern financial system.

Blockchain and Crypto, Member Exclusive, Payments

The on-chain credit card: Stablecoin credit moves from experiment to infrastructure

• What does banking look like when money can be spent outside the traditional account structure?
• June's announcements point to a new model: card programs backed by tokenized dollars. But stablecoin-backed credit raises three harder questions.

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.

Insights & Action, Payments

Co-brand debit: The missing layer in modern loyalty

• The average consumer swipes a debit card 40+ times a month. But most loyalty programs only capture credit card transactions.
• Through co-brand debit, your brand earns relevance across the everyday transactions already happening, groceries, dining, transit, subscriptions.