Proceedings of the 2026 2nd International Conference on Financial Innovation and Marketing Management (FIMM 2026)

2026 2nd International Conference on Financial Innovation and Marketing Management (FIMM 2026)

📍Singapore, Singapore🗓️ 2-4 July 2026
<Previous Article In Volume
Next Article In Volume>

Digital Transformation of Commercial Banks-A Case Study of J.P. Morgan

Authors
You Wang1, *
1College of Creative Arts, Beijing University of Financial Technology, Beijing, 101100, China
*Corresponding author. Email: wangdoudou2331@gmail.com
Corresponding Author
You Wang
Available Online 23 October 2026.
DOI
10.2991/978-94-6239-801-6_4How to use a DOI?
Keywords
Digital Transformation; J.P. Morgan; Commercial Banks; Data-Driven Risk Control; Asset-Light Operations
Abstract

In the occasion of the rapid progress of digital economy and deep combining finance and technology, when traditional commercial banks meet all kinds of customers’ migration phenomenon, competition pressure from non-banking institution (NBIs) and the troubles of profit model, Digital transformation has taken on existential purposes, turning into a not optional transformation source. This paper is about the digital practice of J. P. Morgan Securities (China) Co. LTD from 2020 to 2024. Sorting and analyzing the key data in the annual report systematically, technology drives development, light asset operation, controllable data risk, high-quality staff. Through firm strategic investment, the company achieved a 355% increase in operating revenue over the past five years, its net profit has turned from negative to positive and has been continuously rising; The risk and liquidity indicators are far better than the regulatory standards, which verified the effectiveness of the “technology - business - risk control - organization” integrated model. This case provides a reference for Chinese commercial banks to learn from and promote digital transformation from the superficial to the in-depth to avoid the waste of resources and strategy.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

<Previous Article In Volume
Next Article In Volume>
Volume Title
Proceedings of the 2026 2nd International Conference on Financial Innovation and Marketing Management (FIMM 2026)
Series
Advances in Economics, Business and Management Research
Publication Date
23 October 2026
ISBN
978-94-6239-801-6
ISSN
2352-5428
DOI
10.2991/978-94-6239-801-6_4How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - You Wang
PY  - 2026
DA  - 2026/10/23
TI  - Digital Transformation of Commercial Banks-A Case Study of J.P. Morgan
BT  - Proceedings of the 2026 2nd International Conference on Financial Innovation and Marketing Management (FIMM 2026)
PB  - Atlantis Press
SP  - 23
EP  - 32
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-801-6_4
DO  - 10.2991/978-94-6239-801-6_4
ID  - Wang2026
ER  -