From startups to legacy brands, you're making your mark. We're here to help.
-
Innovation Economy
Fueling the success of early-stage startups, venture-backed and high-growth companies.
-
Midsize Businesses
Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
-
Large Corporations
Innovative banking solutions tailored to corporations and specialized industries.
-
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
-
Community Impact Banking
When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
-
International Banking
Power your business' global growth and operations at every stage.
Key Links
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
-
Asset Based Lending
Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
-
Equipment Financing
Maximize working capital with flexible equipment and technology financing.
-
Trade & Working Capital
Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
-
Syndicated Financing
Leverage customized loan syndication services from a dedicated resource.
-
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
-
Employee Stock Ownership Plans
Plan for your business’s future—and your employees’ futures too—with objective advice and financing.
Key Links
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
-
Institutional Investors
Putting your long-tenured investment teams on the line to earn the trust of institutional investors.
-
Markets
Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics.
-
Prime Services
Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
-
Global Research
Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
-
Securities Services Solutions
Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.
Key Links
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
-
Center for Carbon Transition
J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
-
Corporate Finance Advisory
Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
-
Development Finance Institution
Financing opportunities with anticipated development impact in emerging economies.
-
Sustainable Solutions
Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
-
Mergers and Acquisitions
Bespoke M&A solutions on a global scale.
-
Capital Markets
Holistic coverage across capital markets.
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
Key Links
A uniquely elevated private banking experience shaped around you.
-
Banking
We have extensive personal and business banking resources that are fine-tuned to your specific needs.
-
Investing
We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
-
Lending
We take a strategic approach to lending, working with you to craft the right financing solutions matched to your goals.
-
Planning
No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.
Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.
-
Invest on your own
Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
-
Work with our advisors
When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
-
Expertise for Substantial Wealth
Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.
For Companies and Institutions
-
Commercial Banking
From startups to legacy brands, you're making your mark. We're here to help.
-
Institutional Investing
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
-
Payments
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
-
Credit & Financing
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
-
Investment Banking
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
For Individuals
-
Private Bank
A uniquely elevated private banking experience shaped around you.
-
Wealth Management
Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.
Explore a variety of insights.
Key Links
Insights by Topic
Explore a variety of insights organized by different topics.
Key Links
Insights by Type
Explore a variety of insights organized by different types of content and media.
Key Links
We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.
Key Links
- Insights
- Payments
- Acquiring & E-commerce
- Were consumers still feeling the love on Valentine's Day?
By Tony Wimmer
Head of Analytics & Insights, J.P. Morgan Payments
By Tony Wimmer
According to The Beatles, all you need is love. On Valentine’s Day, love often takes the form of a gift or experience shared with partners, friends, family members and even pets.
We exchanged hand-made cards and candy hearts with elementary school classmates, and most of us continue to appreciate chocolate, flowers or a night out on February 14. So much so that, according to the National Retail Federation, American consumers spent an average of $161 on Valentine’s Day gifts, meals and experiences for a total of more than $20 billion in 2019 alone.1
Expressions of love needn’t cost money, but when they do, many Valentine’s Day purchases involve the use of a credit or debit card. With more than $1.5 trillion in annual card processing volume for both small businesses and Fortune 500 brands, J.P. Morgan has unique insight into such peak holiday shopping activity. Our data scientists compared aggregated and de-identified card authorization volume across a broad set of online merchants as a way to measure year-over-year changes in e-commerce spending related to Valentine’s Day.
So were America’s sweethearts in the pink this Valentine’s Day?
Our data says YES.
J.P. Morgan’s card authorization volume from February 8 to February 14 increased a heart-pounding 22 percent over the comparable period for 2019. Card authorization volume on Valentine’s Day itself increased 33 percent compared to 2019. That’s a lot of love.
In addition to being a payments processing powerhouse, J.P. Morgan provides our clients with unique, relevant and valuable analytics and expertise that helps them grow revenue, manage transaction costs and deliver great customer experiences. To learn how your payment data can be transformed into actionable insight, please contact your J.P. Morgan representative.
Related insights
Payments
How wire transfers work and when to use them
Apr 23, 2025
Discover how wire transfers can streamline your business transactions and enhance financial stability.
Payments
Flexible and future-proof: How MACH principles are shaping next-generation banking
Apr 17, 2025
J.P. Morgan Payments is ushering in a new era of technology in the financial industry, promoting guiding MACH principles that have the power to unleash transformative payment experiences for businesses and individuals.
Payments
Instant payments: Understanding real-time payment networks
Apr 16, 2025
Learn about real-time payments and how they can benefit your business
Payments
IVECO PAY: Adam Smith Award-winning solution
Apr 16, 2025
Learn how the multinational transport vehicle manufacturing company Iveco Group is transforming the customer journey with IVECO CAPITAL’s digital payment hub.
02:05 - Payments
Sephora delivers a best-in-class omnichannel experience with J.P. Morgan Payments
Learn how the beauty giant consolidated its payment-related processes to streamline the customer experience across channels.
Payments
What is accounts payable automation?
Apr 04, 2025
Optimize your payment processes and improve cash flow management through AP automation. Discover practical strategies for successful implementation.
Payments
Mar 25, 2025
Protect your business and customer relationships through strong payment security. Learn how PCI DSS requirements safeguard card data and help prevent fraud while building trust.
You're now leaving J.P. Morgan
J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.