From startups to legacy brands, you're making your mark. We're here to help.
Key Links
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
Key Links
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.
Key Links
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
Key Links
A uniquely elevated private banking experience shaped around you.
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.
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
In a move that will forever redefine the role of corporate treasuries, J.P. Morgan and Siemens AG have tested an automated treasury solution, programmable payments.
This industry-leading product is a first-of-its-kind innovation: J.P. Morgan developed the technological banking infrastructure using Onyx, the world’s first blockchain-based platform for payments transactions, and applied the technology to Siemens’ business use cases to address real-world pain points.
Programmable payments facilitate an automated process, that can respond to real-time events. Following pre-programmed rules, payments are initiated any time conditions are met, removing the need for human intervention to discover, calculate and confirm the required conditions needed before a payment can be executed.
The result can be transformative, allowing much faster transactions and resolving a common liquidity problem for businesses – needing to assign excess liquidity buffers during periods of treasury team downtime, such as weekends, bank holidays and overnight.
With this offering, the role of corporate treasuries is redefined. Rather than rely on next-day processing, manual monitoring, and forecasting models, payments are instead initiated based on accurate, live events. With programmable payments, treasury moves from a static entity to a responsive, real-time, dynamic entity, allowing banking capabilities to be embedded natively into business processes – and upending the traditional financial services model.
Global Head of Coin Systems for J.P. Morgan’s Onyx, Naveen Mallela, said: “In a 24/7 society, payments should be available 24/7 too.
"There has been talk of programmable, real-time payments for years, and using J.P. Morgan’s proprietary Onyx Programming Language, this has now become a reality."
Naveen Mallela
Global Head of Coin Systems, Onyx
We are delighted that Siemens joined us on this journey to take first-mover advantage of the advances in banking technology that J.P. Morgan is developing. This work is just the beginning”.
Heiko Nix, Head of Cash Management and Payments, Siemens AG: “This new technology is one of the foundations for developing a real-time treasury at Siemens. In today’s fast changing environment, speed is critical for a focused technology company like ours, as new digital technologies and business models like pay-per-use or subscriptions models enter the market in ever-shorter cycles. These business models require a high degree of automation as we expect a significantly higher number of payments with much lower amounts at the same time, especially when it comes to micropayments. To manage this efficiently in the future, we are working with J.P. Morgan to build the financial infrastructure and digital capabilities for Siemens already today.”
Connect with your J.P. Morgan representative to find the right solution for your business.
The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such.
JPMorgan Chase Bank, N.A. Member FDIC.
JPMorgan Chase Bank, N.A., organized under the laws of U.S.A. with limited liability.
Payments
J.P. Morgan at NACHA Smarter Faster Payments 2024
Apr 22, 2024
Every payment is an opportunity for growth, optimization and innovation. Join us for NACHA Smarter Faster Payments 2024 where we will speak in a number of sessions around several key topics including fraud mitigation, the power of AI and data in payments and more.
Payments
Unlock customer insights—your key to business growth
Apr 19, 2024
Having better data means making better business decisions. See how our Customer Insights solution can help give you the customized data insights you need quickly and easily.
Payments
J.P. Morgan Payments launches new System Integrator Program
Apr 09, 2024
New program for professional service companies aims to help joint clients advance payments strategy and implementation.
Payments
Kyriba expands its TMS offering with JPM Coin and Global Payments API
Apr 08, 2024
For the first time, Kyriba clients can operate Blockchain Deposit Accounts (BDAs) within their existing Treasury Management Systems (TMS), allowing treasurers to manage cashflow and send payments with the speed of blockchain.
Payments
Streamline your payments with the help of Prepaid Card
Apr 01, 2024
Simple. Cost effective. Digital or physical. Give your business a choice in your overall payment program—and give your customers, clients, and employees the flexibility they want—with Prepaid Card by J.P. Morgan Payments.
Payments
Understanding purchasing cards
Mar 28, 2024
Typically used for B2B purchases, purchasing cards can provide enhanced visibility, control, fraud protection and other benefits.
Payments
“Trends in Healthcare Payments” annual report
Mar 26, 2024
Every year, J.P. Morgan Healthcare Payments releases this data-driven report to highlight the latest payments trends impacting the healthcare industry.
Payments
Understanding virtual credit cards
Mar 22, 2024
Virtual cards are an efficient and secure way to issue payments—without the need for a plastic card.
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.