JPM's 2025 Emerging Technology Trends: All GenAI, All the Time
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JPMorganChase (JPM) is renowned for its use of AI, and if you read no other document about AI and banking this year, make it this one, it’s that good!
JPM’s 2025 Emerging Technology Trends is poorly named as the report isn’t about “trends,” plural, but is 100% devoted to AI and contains use cases that are nothing short of state-of-the-art.
The real issue isn’t the fantastic vision that JPM is showing with its proposed AI use. It is what happens with all of the other banks that are woefully behind?
If you read this report to see what JPM is working on, and still discount it by half as corporate propaganda, they are miles ahead of most large and medium banks anywhere in the globe.
The gap, or what I like to refer to as “AI inequality,” is so large that I think the best many banks can hope for is to stay in the middle of the pack. Those lingering far behind will simply have a hard time surviving.
As for Agentic AI, it will be in use everywhere, from financial transactions and advertising to software development and cybersecurity. It is foundational technology.
I recommend all readers check out the brief section on “Agentic Financial Transactions” (pg 19-20). See how expansive their vision for the “do it for me” economy is, which covers virtually every part of a client’s bank interaction from payments to investments and travel booking.
Enjoy this view of JPM’s AI future, and if you work for another bank and note the “AI Inequality,” be afraid, be very afraid.
👉JPM’s Four Areas of AI Development
🔹 Innovative Products & Experiences
The convergence of advanced innovation is reshaping the way businesses engage with both customers and employees. Our clients and customers demand frictionless interactions. GenAI is at the forefront of transforming user experiences, automating workflows, and introducing new interaction modalities.
🔹 Delivering Data & AI/ML at Scale
In today's rapidly evolving technological landscape, data and AI are at the forefront of innovation, driving transformative changes across industries. As foundational models evolve, AI trends focus on optimizing inference-time compute to unlock new capabilities, leveraging synthetic data for model advancements, and enhancing data retrieval for more context-aware applications.
🔹 Next Gen Data Center Design
The demand for elastic compute and evolving workloads continues to have a major impact on the overall data center market. Every aspect of the data center is being reconsidered to accommodate new high-performance systems that support optimal workloads (e.g., Al), including server racks, innovative cooling techniques, geographical locations, and power sources.
🔹 Protect the Firm
As AI continues to revolutionize various sectors, trends in security are focused on safeguarding AI-native applications, AI-generated content, and sensitive data during AI computations. Additionally, the innovative use of AI by cybersecurity operations teams enables them to stay ahead of emerging threats.
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