Chase

The business model combines deposit gathering, lending, card issuance, payments acceptance, wealth services and digital self-service channels inside a single financial ecosystem. Consumer and business users use Chase interfaces to manage money, borrow, spend, invest and accept payments, while merchants and brands access payment infrastructure and, in some cases, transaction-driven media products. Value is created by owning the customer relationship, increasing product penetration per customer and using transaction data to support measurement and targeted offers.

Chase is the consumer and business financial services brand associated with JPMorgan Chase Bank, N.A., a wholly-owned subsidiary of JPMorgan Chase & Co. Its digital estate spans retail banking, mobile banking, investing, business banking, merchant payments, travel booking, auto finance and credit monitoring. The brand monetises primarily through financial services economics such as net interest income, payment processing fees, interchange, lending and advisory fees, while digital interfaces improve retention, transaction volume and product cross-sell.