Payments

Security vs. convenience: The balancing act of providing payment security and delivering a smooth checkout experience

  • While convenience is probably top of mind for consumers, it is not the sole thing they want when it comes to payments, shows a new report by American Express.
  • Merchants may face a range of challenges trying to match consumers’ priorities around flexibility with better security. Merchants have to be cognizant of how much convenience they can offer customers to enable secure payment systems while also hitting the mark in a satisfactory user experience.
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Security vs. convenience: The balancing act of providing payment security and delivering a smooth checkout experience

 


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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.
Sara Khairi | July 14, 2026
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.
Sara Khairi | July 09, 2026
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.
Sara Khairi | June 25, 2026
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.
Sara Khairi | June 16, 2026
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.
Sara Khairi | June 11, 2026
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