JPMorganJPM
Moat score
The largest bank in America, with a technology budget bigger than most software companies’ revenue.
MOATE3.6Deep
3.6 Deep
| Dimension | MOATE | Community |
|---|---|---|
| Switching costsweight 15Primary banking and treasury relationships are deeply embedded; corporate clients rarely move. | 7 | — |
| Network effectsweight 15Chase’s payments and card volumes reinforce merchant acceptance and consumer reach. | 5 | — |
| Scale & cost advantageweight 12The definitional case in banking: scale in deposits, lending, and a technology spend no fintech can approach. | 10 | — |
| Brand & pricing powerweight 12The fortress balance sheet is the brand; fee pricing holds across cycles. | 8 | — |
| Cornered resourceweight 12A deposit franchise, charters, and regulatory capital — none of it available to a new entrant. | 8 | — |
| Distribution controlweight 12Branches, the Chase app, and cards in most American wallets. | 8 | — |
| Disruption resilienceweight 12Fintechs take slices; JPMorgan outspends and acquires them. | 7 | — |
| Independenceweight 10The most regulated company on the index; capital rules and rates are set elsewhere. | 4 | — |
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