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Payments & FX

Navigating Change in a Complex Digital Payments Environment

Digital payment transformation is sweeping the industry. And expectations for business-to-business payments are evolving rapidly, driven by consumer payment trends. New electronic payment methods, emerging technologies and fintechs are shaping a fluid payments landscape. Federal government agencies and organizations alike seek to more agilely embrace strategic change but grapple with several challenges:

  • What are the right payment alternatives, technologies to invest in for success?
  • How do we balance rapid innovation with the stability and security required by the heavily regulated environment in which public sector must operate?
  • Which are the best partners to enable change?
  • How do I assess technology in light of client behaviors and preferences?

Future success for all players in the space is contingent on addressing the new dynamics, partnering with the right provider and keeping the client experience central. Here are some insights into the changes taking place across the financial services industry and how new technologies and partnerships can be harnessed to succeed in navigating the change.





Digitization is fueling Americans’ expectations of immediacy for both B2C (business-to-consumer) and B2B payments. Just look at consumer’s digital payment options. Consumers are too busy to wait, so they have made touch and go, ordering ahead with an app and person-to-person money movement commonplace. It’s no surprise that customers believe that all payments should be faster and easier to keep up with their lifestyle. Faster and real-time payments are gaining steam, and the bar for corporate payers and payees is steadily rising: Why shouldn’t integrated data for the end user move seamlessly with payments?

Faster payments

Faster payments for businesses can significantly improve the paying agent’s cash flow. As interest rates rise, payers will want to keep the money in their accounts as long as possible. Faster payments allow for a greater precision in budgeting and a sharpened approach to overall cash management. Managing the timing of outgoing payments provides certainty and allows public agencies to optimize liquidity management in a rising rates environment.

Advancing technologies

Advancing technologies such as blockchain, machine learning and robotics are intersecting with the consumerization of B2B payments to deliver a better end-to-end payment experience. For example, banks are using the Big Data associated with their massive payments volume to gain insights into customer payment preferences and then to help businesses improve customer relationships. Banks also are using blockchain to share regulatory information to facilitate compliance and allow payments to settle more quickly through the payment system.



Transacting should be so transparent for payers and payees that the payment itself becomes less important as an isolated event, and the associated data becomes the emphasis in driving a seamless end-to-end experience. Making payments effortless requires that the transaction fit seamlessly into the surrounding end-to-end processes and allows the focus to broaden to how the transaction enhances the overall experience.


Our broad customer base and active role in shaping global payments has afforded J.P. Morgan the opportunity to work with customers worldwide across many industries to enable them to align with a fast-changing payments landscape.

J.P. Morgan is incorporating emerging technologies based on a holistic view of the payments landscape. The firm is investing in a basket of promising technologies, carefully vetted through due diligence, so that we can pivot at the right time and integrate developments into comprehensive payments capabilities. Our approach includes:

  • Investing in digital and faster options to pay and receive
  • Applying advanced technologies to solve longstanding challenges and emerging needs
  • Partnering with fintechs to better serve our clients by combining strengths around scale, robustness, security and stability

Contact your Treasury Service Manager to learn more about how you can take advantage of J.P. Morgan’s expertise to achieve your goals.

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