Financial FlexibilityJPM has an estimated $30B of excess capital, which could increase significantly, providing financial flexibility.
International ExpansionJPM launched its international consumer digital banking initiative in the UK, focusing on acquiring customers that generate franchise value attracted to the quality of the user experience.
Technology And InnovationBuilding its tech stack from scratch gives JPM an agile and scalable growth model, as well as a significant advantage from its data architecture in terms of customer unit economics.