Chase

The business model is that of a universal retail and small-business bank delivered through digital channels. It attracts customers into deposit and current accounts, then cross-sells lending products (mortgages, cards, loans) and payments services, using the website and mobile apps as the primary engagement layer. Value for customers comes from consolidated account access, digital self-service tools, and integrated payments and lending.

Economic value for the bank comes from interest margin on funded assets (mortgages, card balances, other loans), non-interest income from account and service fees, credit card annual fees and interchange, and merchant acquiring fees. Digital channels reduce servicing costs per customer and support scale across a large US customer base, while premium tiers and rewards products segment customers by value and deepen product usage.

Chase.com is the consumer and small-business digital banking front-end for JPMorgan Chase Bank, N.A., part of JPMorgan Chase & Co. It provides online and mobile access to current accounts, savings, credit cards, mortgages, and other retail and business banking services, primarily in the United States. The platform is anchored by its mobile applications, which consolidate account management, payments, and lending products into a single interface.

The business earns money through standard banking economics: net interest income on loans and revolving card balances, account and service fees on personal and business banking products, card interchange and annual fees from credit cards, and merchant acquiring and payments processing fees. Its direct customers are retail consumers and small businesses that hold deposit accounts, borrow, or use card and payments services with the bank.