JPMorgan is using AI to keep transactions safe and add resiliency to its operations. 

The New York-based bank uses AI to scan all payments and payments infrastructure to detect anomalies and exposure in the payments system, Matthew McCown, executive director of the data and analytics team at J.P. Morgan Payments, said at the recent FinAi Banking Summit 2026 in Denver.

The bank moves nearly $12 trillion a day through its payments network, Greg Hodges, head of trust and safety at JPMorgan Payments, previosuly told FinAi News.

“Within my product, we do 550 data validation checks that run every night,” he said. “They check input data integrity, they check output data integrity and they flag any anomalies along the way.” 

The $3.8 trillion bank receives an AI-generated report every morning that flags “any potential issues that we need to diagnose,” McCown said. The AI model makes it clear “exactly where the problem is.” 

This helps the bank quckly spotidentify problems, find the causes and fix them quickly to avoid downtime for its clients, which is essential to building trust, he said. 

JPMorgan aims to spend nearly $2 billion on AI initiatives alone this year, McCown said, adding that there are nearly 2,000 AI and machine learning professionals within the firm, and more than 400 models that are live in its operations. 

Read more coverage from FinAi Banking Summit here.