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Digital Innovation

About Us

Within the Corporate and Investment Bank (CIB), the Digital Innovation Team combines strategy, thought leadership and execution to shape the CIB’s digital agenda and offerings. The team has capabilities across strategy, fintech, partnership development, product management and engineering. With a global footprint spanning New York, London and Hong Kong, the team strives to rapidly develop unique and transformative offerings for clients.



Through its alignment with J.P. Morgan’s CIB businesses, as well as the broader financial services ecosystem, the Digital Innovation team identifies and analyzes digital trends, emerging challenges and expansion opportunities. Whether it concerns clients, vendors, fintechs or employees, the team develops forward-thinking ideas that optimize and transform existing franchises or result in new businesses, products and services.

Product Incubation

The AreaX program transforms concepts to prototypes in a 6-12 week timeframe. The team of developers, designers and product managers, focuses on uncovering opportunities to evolve the investment bank by bringing new ideas to life. By rapidly prototyping and iterating, AreaX provides new capabilities to employees and clients, and drives faster decision-making on which products to scale.

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Fintech & Partnerships

The Digital Innovation team identifies technology-driven companies that are transforming Wholesale Banking. Leveraging its relationships across a global network of market-leading companies, start-ups, investors, accelerators, government bodies and universities, the team partners across the CIB’s lines of business to identify, fund, build, implement and distribute best-in-class solutions.

How We Partner

The Digital Innovation team customizes relationships and programs, across a variety of execution methods.


Rapidly evaluate fintech offerings and build prototypes


Co-create products and incubate startups via the In-Residence program


Invest in or acquire emtech and fintechs


Leverage J.P. Morgan to access our client footprint


Michael Elanjian

Global Head of Digital Innovation for the CIB

Mike is the Global Head of Digital Innovation for the CIB. In this role, Mike creates and articulates the CIB’s digital direction and priorities, and develops medium to long-term transformational strategies across lines of business. To help implement solutions for both clients and internal partners, Mike is also responsible for the CIB’s partnerships with, and investments in, fintech companies across the industry, including our In-Residence program, as well as J.P. Morgan’s product incubation and acceleration efforts, the AreaX program.

Mike is a member of J.P. Morgan’s CIB & Corporate Strategy Leadership Team, the CIB Digital & Platform Services Leadership Team and the Electronic Sales Leadership Team. In addition, Mike is a member of the Firmwide Strategic Investments Committee.