JPMorganChase believes responsible AI will define fintech’s long-term value. That view carries weight. The bank operates at a global scale, under intense regulatory scrutiny, and with millions of customers relying on its systems daily.
Arvind Joshi serves as both the company’s Chief Operating Officer (COO) and Chief Financial Officer for Global Technology. His responsibilities include the Chief of Staff, Program Execution teams, Vendor Management Office, and Transformation Office.
As AI moves deeper into payments, credit, fraud detection, and customer engagement, leadership teams face a quiet truth. Technology alone does not build value. Confidence does.
This article explores how JPMorganChase’s stance reflects a broader fintech shift. Responsible AI is becoming the foundation for durable growth, regulatory confidence, and customer loyalty.
2026 Trend Planning Insights
As 2026 prediction and trend planning gets underway, we sat down with Arvind Joshi, COO & CFO for Global Technology at JPMorganChase.
Arvind oversees technology operations, investment discipline, and modernization strategy for a firm that deploys $18B in annual technology spend, giving him a unique view into how enterprises are defining and measuring value in the AI era. In his 2026 outlook, Arvind highlights why value-per-employee will become the leading KPI for assessing AI’s impact — and how JPMorganChase is already bringing this to life through initiatives like AI copilots for software engineering, which are improving developer productivity and accelerating innovation at scale.
Commentary, attributable to Arvind Joshi, COO & CFO for Global Technology at JPMorganChase:
As we enter 2026, the paradigm for implementing and measuring AI success is evolving rapidly. The era of evaluating progress by technical benchmarks—such as model accuracy, the number of use cases, AI adoption in select process components—is giving way to a more sophisticated, E2E value-driven approach. The true measure of AI now lies in its ability to deliver meaningful, measurable impact on organizational productivity, strategic agility and long-term growth.
Rather than focusing solely on obvious metrics like dollar savings and efficiencies generated, which can sometimes oversimplify or obscure the true impact, leading organizations will emphasize how AI meaningfully enhances and changes end-to-end workflows, resulting in step function change in value.
At JPMorganChase, coding assistant tools have enabled software engineers to shorten the coding phase of development by 10-20%, allowing them to dedicate more time to high-value, strategic initiatives. We are now looking at how AI will optimize the entire SDLC, which includes planning, development, testing, review and deployment. These productivity gains will directly expand our capacity to deliver more for our clients, accelerate cycle times and drive business growth.
Equally important is our commitment to the responsible use of AI which is a core principle that underpins trust and long-term value for our clients, employees, and stakeholders.
Looking ahead, organizations that empower their teams to re-imagine full business processes from start to finish leveraging the entire AI toolset – will set new standards for digital productivity and industry leadership.
Why Responsible AI Has Become a Board-Level Priority
AI decisions now shape credit approvals, transaction monitoring, and customer outcomes. That makes accountability unavoidable.
According to McKinsey, organizations that embed responsible AI practices see stronger stakeholder trust and faster enterprise adoption.
The U.S. National Institute of Standards and Technology released its AI Risk Management Framework to guide safe and explainable AI deployment.
JPMorganChase aligns closely with these principles. The firm has publicly emphasized fairness, transparency, and human oversight across AI systems.
This approach signals maturity. It treats AI as infrastructure, not experimentation.
JPMorganChase’s View: Scale Changes the Stakes
At scale, small model errors become systemic risks. JPMorganChase processes trillions in transactions daily. Even marginal bias or opacity can ripple outward.
In its technology disclosures, the firm highlights model governance, data lineage, and explainability as non-negotiable controls.
Responsible AI as a Competitive Advantage in Fintech
Customers may never see the models behind their apps. They feel the outcomes instantly. Fintech firms that prioritize governance often see faster enterprise partnerships and smoother regulatory reviews.
This shortens the time to market. JPMorganChase believes responsible AI will define fintech’s long-term value because it compounds. Trust earned once reduces friction everywhere.
Governance Is Becoming the New Innovation Metric
Fintech innovation once focused on features. Today, it includes controls. Deloitte notes that firms with mature AI governance frameworks scale AI faster than peers.
JPMorganChase’s approach shows that guardrails do not slow innovation. They enable it. When teams trust the system, they use it more boldly.
What This Means for Fintech Leaders
The message is clear. Responsible AI is not a compliance checkbox. It is a growth strategy. JPMorganChase believes responsible AI will define fintech’s long-term value because value lasts only when trust holds.
Conclusion: The Quiet Shift That Changes Everything
AI will keep evolving. Models will get faster and cheaper. That is inevitable. What is not automatic is trust. That must be designed. JPMorganChase’s position reflects where fintech is headed. Responsible AI is becoming the line between short-term gains and lasting impact.
For decision-makers, the signal is timely. Build AI that earns confidence. The value will follow.
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