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It’s a ‘fintech plus’: How J.P. Morgan Payments became the bank’s $4.7B growth engine

Tear Sheet

J.P. Morgan Chase’s identity is defined by its position as the largest US lender and a leader in retail and investment banking. However, the bank’s payments arm might be its next big engine of expansion.

JPM ended Q4 2024 strong, with profits up 50% to $14 billion and revenue rising 10% to $43.74 billion. Its payments unit, processing nearly $10 trillion daily, chipped in $4.7 billion to the overall revenue pile.

I asked Max Neukirchen, global co-head of J.P. Morgan Payments, what factors he believes played a crucial role in driving this outcome within the payments business.

“Our focus on providing complete end-to-end payment and transaction capabilities enables our clients – from treasury and trade to commerce – to grow,” says Neukirchen. 

We examine the strategic moves propelling JPM Payments forward and the critical areas it is targeting to build on its momentum.

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