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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

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Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

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International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

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Digital Disruption: Creating the Next Evolution in Your Business

Digitalization is changing the way goods are made and marketed, but your business can stay ahead of the curve.  

Digitalization is changing the way goods are made and marketed, but your business can stay ahead of the curve.  

For today’s CEOs and CFOs, digital disruption is a real and looming threat. One recent Accenture study of more than 3,600 companies found that 63 percent of them face high levels of disruption, and 44 percent are susceptible to disruption in the future.

What does this mean for you? In today’s climate of rapid technological change, you’re either initiating disruption or responding to it—or else your company might not survive.

There is no doubt that technology is driving disruption, but it takes more than just upgrading your fintech stack to transform your business. Readiness means becoming an agile, resilient digital enterprise focused on innovation and customer experience. The good news is that you can be ready for disruption by choosing a banking partner like JPMorgan Chase that understands your business and keeps up with trends in the tech innovation space. As you undertake that journey, this can be a big advantage.


Staying Hyper-Focused on the Customer

Is your company still relying on what made it successful in the past? If so, it could be vulnerable to newer competitors entering the market with a fresh focus on today’s customers. That matters because consumers expect exceptional experiences and they have many choices at their fingertips—literally. If you don’t understand your customers’ current challenges, needs and preferences, they’ll find a company that does. It only takes a few clicks to make a switch.

Luckily, you don’t have to figure all this out on your own. When you choose a banking partner like JPMorgan Chase, we help you dive deep into your own data and zero in on what your customers need. For example, using machine learning, we can help you optimize sales messages at a crucial moment in the sales cycle or deliver personalized experiences across channels that keep your company top of mind and build a positive rapport. This can help build models that ensure every touchpoint delivers on your objectives.

That kind of analysis has another benefit—it makes you aware of any change in customer behavior, allowing you to evolve as they do. The way to become an innovative company—rather than one constantly playing catch-up—is to find, even anticipate, the right problem to solve. And the way to find that is to look at the customer.

Most likely you don’t have to be the first out of the gate with a new technology or approach. But you need to be aware of competitors moving in your direction because that’s when you still have time to react. Pay attention to research. Look to the startup environment. Both can offer insights and help keep you from being surprised. Here again, your banker can help.

Our firm is well-acquainted with the tech innovation space and is able to help guide what you need to know. Every year, we engage with over 1,000 technology companies—our clients depend on us to bring that tech trend information to their businesses and help ensure they’re staying up to date.


Welcome Change to Stay Ahead

If you lean toward being an innovative, customer-centric business, disruption need not carry a negative connotation. With the right technology, knowledge and customer focus, you can use technology as a force for transformation. And we can help you get there. Company leaders ready to embrace change have the chance to surge ahead, to reshape their future—and even, perhaps, to become the disruptors themselves.

Digital Solutions

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