Diana Robinson, Head of Investments & Advice, UK, Ireland & Channel Islands, J.P. Morgan Private Bank says, “Our mission is simple: to help clients define and articulate their goals and build portfolios that meet these objectives. By analysing client data and preferences, we leverage AI to enrich our traditional, research-driven approach, crafting personalised portfolios tailored to achieve their dreams. JPMorgan Chase’s investment of $17 billion in technology has facilitated the creation of a flexible, common toolchain for software development, integrating external IT innovations to drive operational excellence. These modernisation efforts have positioned the firm to adapt swiftly to technological advancements. The implementation of the firm’s generative artificial intelligence (GenAI) toolkit, known as the LLM Suite, across 200,000 employees has been transformative. This suite has streamlined processes, enabling significant cost savings through improved fraud prevention, personalised services, trading efficiencies and enhanced credit decision-making. The widespread adoption of these tools has simplified and accelerated tasks, empowering employees to concentrate on more strategic activities. A standout innovation is the Coach application, integrated into the platform we use with our clients. This GenAI tool automates and scales information delivery, empowering advisors to deepen client relationships and expand their client rosters. By providing personalised insights and data, Coach enables advisors to offer tailored advice, enhancing the overall client experience. 2025 has been quite the year to stress-test these innovations. Amid the news-flow whiplashes and steady stream of policy curveballs, our AI tools have helped us deliver timely information to our clients. On ‘Liberation Day’, our advisors were able to provide insights quickly, offering advice that not only responded to current market moves but also aligned with clients’ long-term goals. Equally important, AI plays a crucial role in helping clients understand the risks associated with their investments. Through sophisticated stress-testing models, various market scenarios can be simulated to assess their impacts on client portfolios, empowering informed decision-making. Understanding downside risks allows clients to prepare for and remain invested during adverse periods, benefiting from the compounding of wealth over time. JPMorgan’s decision to build an internal large language model (LLM) platform underscores our commitment to protecting data assets. By ensuring that data is not used to train external models, we maintain our competitive edge while adhering to evolving regulatory requirements across various jurisdictions. Internally, AI has transformed our operations by accelerating administrative tasks and other execution-based work. The automation of routine processes enhances efficiency and reduces the potential for human error, allowing advisors to focus more on strategic decision-making and client engagement. The integration of AI into our internal processes is a testament to our commitment to operational efficiency and regulatory compliance. A key factor in the successful adoption of GenAI has been the emphasis on making AI tools engaging and accessible. By promoting peer competition and showcasing success stories, we have encouraged the widespread use of AI technologies.