مجلة البشائر الاقتصادية
Volume 11, Numéro 3, Pages 416-437
2025-12-04

Towards The Enhancement Of Banking Services Infrastructure Through Blockchain Technologies: "a Case Study Of Jpmorgan Bank"

Authors : Messah Ouafae . Amrouche Sabrina .

Abstract

This study aims to investigate the role of blockchain technology in enhancing financial services by analyzing the experience of JPMorgan as a comprehensive digital banking model. The objective is to explore how this technology is adopted and leveraged to improve the infrastructure of the services provided, while drawing lessons from this experience to anticipate opportunities for integrating blockchain into the strategies of any banking system. The study concluded that J.P. Morgan Bank achieved a series of successes in utilizing blockchain technology, despite the technical and regulatory constraints and challenges encountered during its implementation. The bank sought to transform these challenges into opportunities for development and innovation, offering valuable lessons on how to effectively integrate blockchain within the banking environment. However, the replicability of this experience is not absolute; it depends on adapting the model to a supportive legal, regulatory, and human environment. Therefore, J.P. Morgan’s experience serves as a strategic reference for inspiration, rather than a ready-made model for direct application without adaptation.

Keywords

Blockchain ; Optimisation ; Banking services ; JP Morgan ; Banking Sector