Retail is as dynamic as ever, and the ways consumers choose to shop are evolving faster than ever before. An example: J.P. Morgan Payments processed nearly $80B in total payments volume during Black Friday/Cyber Monday in 2025, a 5% increase over 2024 and a 30% increase from 2023¹, showing that consumer demand remains strong. 

J.P. Morgan Payments returned to the National Retail Federation (NRF) 2026 event in New York City in January, spotlighting our Commerce Solutions, including interactive demos of our biometric payments, personalized checkout journeys, and actionable analytics for retailers:

• Personalized payment experience: showcased how we help enable merchants to create personalized journeys rooted in preferences and shopping history through our full-stack Omnichannel Payments solution featuring biometric payments and proprietary biometric-enabled payment terminals, which were unveiled at last year’s NRF conference and which recently earned Best in Class honors in Javelin’s 2025 Emerging Biometric Authentication at the Point of Sale Scorecard.
• In-store and online checkout: highlighted connected in-store and online payment journeys providing customers the flexibility to shop anytime, anywhere, from any device, prioritizing speed, safety and security powered by our Online Payments offering.
• Actionable insights and reporting: demonstrated how payments data and analytics informs business decisions through actionable insights, including understanding traffic patterns and consumer behavior, to help clients grow their business through Customer Insights.

Beyond our presence on the conference floor, our leaders took center stage in thought leadership sessions—bringing together industry experts to explore the future of retail, payments data and insights, and the rise of agentic commerce:

• North American Retail Economic Outlook 2026: What’s Next for Consumers, Retailers and the Global Economy: Joyce Chang, Managing Director and Chair of Global Research at J.P. Morgan, shared perspectives on transformative retail trends, demographic shifts, and strategies for navigating the evolving consumer landscape.
• Turning Transactions into Transformations: How Payment Data Fuels the Future of Retail: Norah Coelho, Managing Director, Payments Products & Solutions for eCommerce Merchants, and Delphine Herve, CFO at Sephora USA Inc., discussed how payment intelligence is reshaping retail, featuring case studies and breakthrough innovations.
• Going Beyond Discovery: How to Win the Agentic Commerce Race: Prashant Sharma, Executive Director of Biometric Payments and Identity Solutions, joined Anne-Claire Baschet, Chief AI & Data Officer at Mirakl, at the AI in Retail Conference and Gala 2026 to discuss the future of agentic commerce.

To learn more about J.P. Morgan Payments’ Commerce offerings, read more in American Banker, Payments Dive, Identity Week, and Fintech Futures.

Disclaimers:

J.P. Morgan Biometrics Solution is in pilot and is not yet available to all clients. Biometrics is also currently under development; features and timelines are subject to change at the Bank’s sole discretion.

Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMorganChase and or its affiliates.  This material does not constitute a commitment by any JPMorganChase entity to extend or arrange credit or to provide any other products or services and JPMorganChase reserves the right to withdraw at any time. All services are subject to applicable laws, regulations, and applicable approvals and notifications.

Notwithstanding anything to the contrary, the statements in this material are confidential and proprietary to JPMorganChase and are not intended to be legally binding.  Any products, services, terms or other matters described herein (other than in respect of confidentiality) are subject to, and superseded by, the terms of separate legally binding documentation and/or are subject to change without notice.  J.P. Morgan is the marketing name for J.P. Morgan Payments business of JPMorgan Chase Bank, N.A. and its affiliates worldwide. 

JPMorgan Chase Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Non-deposit products are not FDIC insured.

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