‘The nice thing about our model is everyone wins’: Plastiq allows consumers to use credit cards at businesses that don’t accept them

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.