Previous article
Commercial Banking
From startups to legacy brands, you're making your mark. We're here to help.
-
Innovation Economy
Fueling the success of early-stage startups, venture-backed and high-growth companies.
-
Midsize Businesses
Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
-
Large Corporations
Innovative banking solutions tailored to corporations and specialized industries.
-
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
-
Community Impact Banking
When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
-
International Banking
Power your business' global growth and operations at every stage.
Key Links
Credit and Financing
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
-
Asset Based Lending
Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
-
Equipment Financing
Maximize working capital with flexible equipment and technology financing.
-
Trade & Working Capital
Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
-
Syndicated Financing
Leverage customized loan syndication services from a dedicated resource.
-
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
-
Employee Stock Ownership Plans
Plan for your business’s future—and your employees’ futures too—with objective advice and financing.
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.
-
Institutional Investors
Putting your long-tenured investment teams on the line to earn the trust of institutional investors.
- J.P. Morgan Markets Do. More.
-
Prime Services
Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
-
Global Research
Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
-
Securities Services
Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.
Key Links
Investment Banking
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
-
Center for Carbon Transition
J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
-
Corporate Finance Advisory
Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
-
Development Finance Institution
Financing opportunities with anticipated development impact in emerging economies.
-
Sustainable Solutions
Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
-
Mergers and Acquisitions
Bespoke M&A solutions on a global scale.
-
Capital Markets
Holistic coverage across capital markets.
Payments
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
Key Links
Private Bank
A uniquely elevated private banking experience shaped around you.
-
Banking
We have extensive personal and business banking resources that are fine-tuned to your specific needs.
-
Investing
We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
-
Lending
We take a strategic approach to lending, working with you to craft the fight financing solutions matched to your goals.
-
Planning
No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.
Wealth Management
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.
-
Invest on your own
Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
-
Work with our advisors
When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
-
Expertise for Substantial Wealth
Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.
For Companies and Institutions
-
Commercial Banking
From startups to legacy brands, you're making your mark. We're here to help.
-
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.
-
Payments
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
-
Credit & Financing
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
-
Investment Banking
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
For Individuals
-
Private Bank
A uniquely elevated private banking experience shaped around you.
-
Wealth Management
Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.
All Insights
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
About Us
We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.
Key Links
- Solutions
- Payments
- Payments Unbound
- Payments Unbound - The digital magazine
- Payments Unbound Articles
- Conversational Analytics' Role in Corporate Treasury
X less
Featuring future-thinking clients
Payments Unbound unites clients from a wide range of industries to bring you innovative insights that help you navigate the future of payments.
Payments Unbound Volume 4 Conversational Analytics' Role in Corporate Treasury
WIRED REPORTS
“Conversational analytics” is the next frontier in payments
5 minute read
It may point to a future where AI agents work alongside treasurers
IDEAS BANK
Last summer, researchers from Harvard Business School conducted an experiment1 with consultants at a major professional services firm. Participants were given 18 different tasks designed to mimic work at a top consulting company. The consultants using generative artificial intelligence (AI) outperformed their colleagues by every measured metric, completing tasks, on average, 25 percent quicker while producing 40 percent higher-quality results.
The ability for generative AI to help solve domain-specific corporate problems through a natural language interface creates obvious opportunities. One that is attracting particular interest is the notion of “conversational analytics”—using plain language to query data, create reports, or run complex analysis without having to write code or use technical software.
Conversational analytics is potentially a powerful tool for payments professionals. “The idea is to train generative AI to be part of a corporate treasury team,” says Tony Wimmer, Head of Analytics and Insights at J.P. Morgan Payments, who is building a conversational analytics assistant for corporate treasurers. “We want to engineer it to understand the job of a treasurer. So when the treasurer asks certain questions, it knows the right answer.”
Tools like this may also let corporate treasurers with no coding knowledge instantly translate plain language questions into the equivalent database queries, gaining insights—complete with accompanying charts and graphs—that it might currently take data analytics teams many days to produce.
“The idea is to train generative AI to be part of a corporate treasury team.”
Related Solution
Analytics and Insights Solutions
Make more informed business decisions and manage your bottom-line.
Our data solutions help you harness all your data into actionable insights while helping you navigate rapidly-changing economic environments with confidence.
These tools will continue to evolve. Key players in the tech industry envision a new kind of AI assistant, often referred to as an “AI agent,” that can not only operate as described above, but also carry out multi-stage actions autonomously. One company founded by AI industry veterans recently launched an AI agent that can perform office tasks such as reading and replying to users’ emails; another new start-up has showcased an agent that can handle many of the tasks of a software engineer, fully managing coding projects from writing to deployment. One can imagine potential applications of AI agents for treasurers: Perhaps it could optimize cash flows, troubleshoot accounting problems, or simply look after everyday admin.
The technology is not perfect. Generative AI is prone to “hallucinations”—errors, essentially—and these tools will need to be rigorously tested and monitored by humans as they evolve. And whether you think we will ever see general-purpose AI agents that can function as a true, fully fledged “co-worker” is largely a matter of whether you think AI will come to match human intelligence. But it doesn’t seem like a stretch to imagine that, for certain professions and tasks, we may have specialized agents who can lend support. And it seems like even less of a stretch to imagine conversational analytics going mainstream in a way that lets payments professionals work more effectively.
“If we get this right, then that’s the productivity gain that people are currently talking about,” says Wimmer. “Then humans can focus on the more value-adding tasks of making decisions, aligning people, driving culture, solving organizational issues: The things that really only humans can do.”
By Wired
SOURCES: AS PER WIRED, MAY 2024
FUTURE CAPABILITIES OF CONVERSATIONAL ANALYTICS ARE UNDER DEVELOPMENT; FEATURES AND TIMELINES ARE SUBJECT TO CHANGE AT THE BANK’S SOLE DISCRETION.
ILLUSTRATION: GARY NEILL
MAGAZINE
Volume 5: Game Changer Volume 4: Ready Payer One Volume 3: Bank to the Future Volume 2: The New World of Commerce Volume 1: The Money Revolution Browse all articlesWEBINARS
View all webinars
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.