Fintech na pewno tu pozostanie, mówi szef JPMorgan Jamie Dimon

In his annual letter to shareholders, Dimon says that it is "completely clear" that many banking products such as payments, deposits and loans are moving out of the banking system to neobanks and non-banks alike.

Dimon acknowledges that many of these new competitors have done a "terrific job" in easing customers’ pain points and making digital platforms slick and simple to use. However, they have also benefited from differences in the regulatory playing field

"We should remember that the quantum of risk may not have changed - it just got moved to a less-regulated environment," states Dimon. "And new risks get created. While it is not clear that the rise in nonbanks and shadow banking has reached the point of systemic risk, this trend is accelerating and needs to be assiduously monitored."

To compete, banks need to invest in AI and machine learning tools and accelerate a shift to cloud-based banking, the CEO says. Banks also need to be faster and bolder in how they attack new markets: "Sometimes new markets look too small or appear not to be critical to our customer base - until they are. We intend to be a little more aggressive here."

Dimon nie polega zbytnio na jakichkolwiek natychmiastowych zmianach w otoczeniu regulacyjnym, przyznając, że banki będą musiały po prostu dostosować swoje strategie, aby sprostać rozdaniu, jakie otrzymały.

„Chociaż nadal mam pewność, że JPMorgan Chase może się rozwijać i osiągać dobre zyski dla swoich akcjonariuszy, konkurencja będzie zacięta, a my musimy działać szybciej i być bardziej kreatywni” – stwierdza Dimon. „Przejęcia to nasza przyszłość, a fintech to obszar, w którym można przeznaczyć część tych pieniędzy”.