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The banking landscape post-COVID-19 pandemic looks different, with some surveys showing upwards of 90% of consumers prefer managing their money in one place, online. The tech-forward banks are some clear winners in this race, particularly following the financial crises over the last two years.

Benzinga chatted with JPMorgan Chase & Co JPM Chief Product Officer Rohan Amin to learn more. Heres a lightly edited version of the conversation that transpired.

Q: Hello, Rohan! It is nice to meet you. Can you share with me your background?

Amin: I worked in the defense and intelligence community near the [Washington] D.C. metro area for over a decade. It was a fantastic experience that had nothing to do with financial services; instead, I was doing government work in information technology, cybersecurity, and electronic warfare.

In 2014, I received a call from JPMorgan Chase. This opportunity also allowed me to be closer to my family, and I took it. Since joining, Ive had three jobs. I was the Chief Information Security Officer responsible for the banks cybersecurity globally. I was the Chief Information Officer. And now, I am the Chief Product Officer accountable for product development, design, data, and analytics, including our AI and machine learning agendas.

Q: What does your day-to-day look like?

Amin: The best way to describe that is to talk about one of my peers, Gill Haus, the chief Information officer. He took the job I had in terms of running our technology.

Today, Gill and I copilot our customer-facing product development organization. Thats 17,000 product developers, engineers, designersand data and analytics people. We refer to them as the quad. They make up the roughly 100 teams that build all the experiences, such as the process by which customers open an account and our credit monitoring tools free to customers and non-customers. My day-to-day is strategy and working with the teams to birth new customer experiences.

Q: How do you balance innovation with security?

Amin: Job number one is the security and privacy of our customers' data. For example, we were the first bank to move away from screen scraping, not allowing third parties to scrape customer data, and to ensure people are using secure APIs and exposing that to the customer.

In other words, customers can turn things on and off regarding where their data gets shared. All our work on fraud and protecting customers against scams ensuring we have a well-run, well-controlled environment is job one.

Job two is to bring new value to customers, taking inspiration from all forms of competitors, including fintechs.

Most of our inspiration comes from our customers, though. We prefer that we have the best offering or one that best addresses customer needs. Sometimes, we are first, and sometimes we are not. That is fine.

An excellent example is our Chase Pay in 4? offerings, launched as our answer to buy now, pay later. Essentially, debit card customers can split purchases between $50and $400into four installments and pay no fees or interest.

Q: What trends have you observed?

Amin: We did our digital banking survey in 2023, and over 90% of survey respondents said they use the mobile app more than once monthly. We see more customers using mobile versus desktop web browsers. So, mobile adoption continues to rise.

Second, installment lending and digital payments continue to increase, and we have been bringing to market our offerings in those spaces as well.

We have 26 million active users of Zelle, and that number is growing.

Lastly, our personalization and credit monitoring tools, which allow customers and non-customers to get their credit scores and personalized plans for improving their scores, are seeing a lot of interest, particularly from the millennial generation.

Q: How are those trends, among other factors, influencing your product roadmap?

Amin: There are several factors that we respond to in real time. For instance, we had the pandemic, during which we had to pivot all of our plans to help small businesses pay their bills, employeesand other things they had to do.

Sometimes, macro situations may drive our roadmap. In other cases, its those trends we just talked about, including installment and point-of-sale lending. When we observe customers who want to use those payment solutions, we'll build in response to that.

We obsess over feedback, listening to calls, or reading input verbatim in our app. All those wants and needs get added to our product backlog. Our managers will synthesize all the feedback and set objectives that we will work into our apps, which are updated every two weeks.

Q: Say you have a customer thats experiencing an issue. How does their feedback flow to you or your teams? How quickly are those issues then resolved?

Amin: We have dashboards that retrieve customer feedback from places like the Apple App Store within minutes. Well mine that data to understand what the issues are.

Weve gotten so good at recognizing and addressing issues that if youre having a problem and you call, our automated interactive voice response (IVR) system will change the menu options to surface the thing you want. So, if we think you're having trouble with a payment, the first thing you'll hear when you call is making a payment.

Q: What excites you most as we head toward year-end and 2024?

Amin: Machine learning and artificial intelligence (AI) are hot topics. Were careful to explore, integrateand use these technologies to enhance our customer-facing products and services and some of our back-office operations. Fundamentally, AI and machine learning help us personalize the content surfacing to you so that your online and physical interactions at our branches, which 60% of customers use, are holistic and pleasant.

Photo: Tim Samuel via Pexels

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Two dead and hundreds of arrests across France after PSG’s Champions League win

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Two dead and hundreds of arrests across France after PSG's Champions League win

Two people are dead and nearly 560 people were arrested after disorder broke out in France following Paris Saint-Germain’s victory in the Champions League final, the French interior ministry has said.

The ministry added 192 people were injured and there were 692 fires, including 264 involving vehicles.

A 17-year-old boy was stabbed to death in the city of Dax during a PSG street party after Saturday night’s final in Munich, the national police service said.

The second person killed was a man who was hit by a car while riding a scooter during PSG celebrations, the interior minister’s office said.

Paris police chief Laurent Nuñez has said the man was in his 20s and although the incident is still being investigated, it appears his death was linked to the disorder.

Meanwhile, French authorities have reported that a police officer is in a coma following the clashes.

Soccer Football - Champions League - Final - Paris St Germain fans gather in Paris - Paris, France - May 31, 2025 A burning bike is seen on
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A burning bike on the Champs Elysees during the disorder. Pic: Reuters

The officer had been hit by a firecracker that emerged from a crowd of supporters in Coutances in the Manche department of northwestern France, according to reports in the country.

Initial investigations reportedly suggest the incident was accidental and the police officer was not deliberately targeted.

The perpetrator has not been identified.

A man walks past teargas during incidents after the Champions League final soccer match between Paris Saint-Germain and Inter Milan. Pic: AP
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A man walks past teargas during incidents after the Champions League final soccer match between Paris Saint-Germain and Inter Milan. Pic: AP

Soccer Football - Champions League - Final - Paris St Germain fans gather in Paris - Paris, France - May 31, 2025 A burning bike is seen on
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A burning bike on the Champs Elysees during the disorder. Pic: Reuters

The interior ministry earlier said 22 security forces workers were injured during the chaos – including 18 who were injured in Paris, along with seven firefighters.

In a news conference today, Mr Nuñez said only nine of the force’s officers had been injured in the French capital.

He added that fireworks were directed at police and firefighters were attacked while responding to car fires.

There were 559 arrests across the country during the disorder, including 491 in Paris. Of those detained across the country, 320 were taken into police custody – with 254 in the French capital.

Mr Nuñez said although most people wanted to celebrate PSG’s win, some only wanted to get involved in fights with police.

He also said the force is only at “half-time” in its response because the PSG team will be celebrating their Champions League victory on the Champs Élysées later today.

Soccer Football - Champions League - Final - Paris St Germain fans gather in Paris - Paris, France - May 31, 2025 Riot police on the Champs
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Police in Paris during the disorder. Pic: Reuters

Soccer Football - Champions League - Final - Paris St Germain fans gather in Paris - Paris, France - May 31, 2025 Riot police on the Champs
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Police in Paris during the disorder. Pic: Reuters

Mr Nuñez said that the police presence and military presence in Paris will be increased on the ground for the parade.

It comes after flares and fireworks were set off in the French capital after PSG beat Inter Milan 5-0 in Munich – the biggest ever victory in a Champions League final.

Around 5,400 police were deployed across Paris after the game, with officers using tear gas and pepper spray on the Champs Élysées.

A man runs away from teargas during incidents on the Champs Elysees avenue after PSG won the Champions League. Pic: AP
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Pic: AP

Fireworks explode over police in Paris after PSG win the Champions League. Pic: AP
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Pic: AP

At the top of the Champs Élysées, a water cannon was used to protect the Place de l’Etoile, near the landmark Arc de Triomphe.

Police said a large crowd not watching the match tried to push through a barrier to make contact with officers.

Some 131 arrests were made, including 30 who broke into a shoe shop on the Champs Élysées.

Police have said a total of four shops, including a car dealership and a barbers, were targeted during the disorder in Paris.

Two cars were set alight close to Parc des Princes, police said.

PSG forward Ousmane Dembélé appealed for calm in a post-match interview with Canal+, saying: “Let’s celebrate this but not tear everything up in Paris.”

A PSG supporter on a traffic sign in Paris while red flares are set off after the team won the Champions League. Pic: AP
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Pics: AP

PSG supporters invade a street in Paris after the team won the Champions League. Pic: AP

After the final played at the Allianz Arena in Munich, Germany, thousands of supporters also tried to rush the field.

Police lined up in front of the PSG end of the stadium at the final whistle, but struggled to contain the fans for several minutes when they came down from the stands following the trophy presentation.

PSG fans rush the field at Allianz Arena in Munich after the team win the Champions League. Pic: AP
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Pics: AP

Police try to contain PSG fans on the field at Allianz Arena in Munich. Pic: AP

Désiré Doué, the 19-year-old who scored two goals and assisted one in the final, said after the game: “I don’t have words. But what I can say is, ‘Thank you Paris,’ we did it.”

Despite being a supporter of PSG’s rivals Olympique de Marseille, French President Emmanuel Macron also said on social media: “A glorious day for PSG!

“Bravo, we are all proud. Paris, the capital of Europe this evening.”

Mr Macron’s office said the president would receive the players at the Elysee Palace on Sunday.

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AB Hernandez: 16-year-old transgender athlete wins two golds and a silver as participation sparks controversy

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AB Hernandez: 16-year-old transgender athlete wins two golds and a silver as participation sparks controversy

A 16-year-old transgender athlete who is the focus of a US sports row has won two golds and a silver at the California high school track and field championship.

AB Hernandez was born a boy but has transitioned and now competes against girls.

And the teenager’s inclusion in the girls category in the high jump, long jump and triple jump became a national conversation.

Critics, including parents, conservative activists and President Trump, had called for Hernandez to be barred from competing.

Who is AB Hernandez?

AB Hernandez poses with her medals. Pic: AP
Image:
AB Hernandez poses with her medals. Pic: AP

In the city of Clovis on Saturday, she took part under a new rule change brought in by the state’s interscholastic federation, under which an extra student was allowed to compete and win a medal in the events where Hernandez qualified.

And it meant there were two winners when she finished first.

Hernandez shared first place in the high jump with Jillene Wetteland and Lelani Laruelle.

All three cleared a height of 5ft 7in (1.7m), but Hernandez had no failed attempts, while the other two had each logged one failure.

Hernandez also had a first-place finish in the triple jump, sharing the top spot with Kira Gant Hatcher, who trailed her by more than half a metre.

AB Hernandez shares the first-place spot on the podium with Kira Gant Hatcher during the triple jump medal ceremony. Pic: AP
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AB Hernandez shares the first-place spot on the podium with Kira Gant Hatcher during the triple jump medal ceremony. Pic: AP

Also, Hernandez came second in the long jump with Brooke White.

“Sharing the podium was nothing but an honour,” White said. “As a part of the queer community I want AB Hernandez to know we all have her back.”

Plane protest

During Hernandez’s qualifying events on Friday, a plane flew over the stadium trailing a banner, which read: “No boys in girls’ sports.” It was organised and paid for by two women’s advocacy groups.

A small protest also took place on the road outside. “Save girls’ sports,” one poster read. “XX does not equal XY,” read another.

A plane, paid for by women's advocacy groups, flies a banner over the stadium that reads: 'no boys in girls sports'
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A plane, paid for by women’s advocacy groups, flew a banner over the stadium that read: ‘No boys in girls’ sports’

Transgender inclusion is a thorny issue but a vote winner for Donald Trump, who campaigned last year with a promise to “kick out men from women’s sport”.

He signed an executive order seeking to ban transgender women from female sports.

And Mr Trump has threatened to withdraw federal funding from California over Hernandez’s participation in this weekend’s athletics event.

AB Hernandez. Pic: AP
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Pic: AP

‘Pilot entry process’

The California Interscholastic Federation had earlier said it was launching a “pilot entry process” to allow more girls to participate in the championship.

It only applied to the three events in which Hernandez competed.

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The rule change may be the first attempt nationally by a high school sports governing body to expand competition when trans athletes are participating.

If a transgender athlete wins a medal, their ranking would not displace a “biological female” student from also medalling, the federation confirmed, and it will be reflected in the records.

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The federation said the rule opens the field to more “biological female” athletes.

The organisation did not specify how it defines “biological female” or how it would verify whether a competitor meets that definition.

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Britain has ‘lost control’ of its borders, defence secretary tells Sky News

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Britain has 'lost control' of its borders, defence secretary tells Sky News

Britain has “lost control” of its borders over the last five years, the defence secretary told Sky News after the highest number of migrants this year crossed the Channel.

John Healey told Sunday Morning With Trevor Phillips the previous Conservative government left the UK’s asylum system “in chaos” and the country with “record levels of immigration”, which his government is having to deal with.

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On Saturday, 1,194 migrants arrived in the UK on 18 small boats, government figures showed – the highest number of arrivals in a day so far this year (the previous record was 825 on a day in May).

It brings the provisional total for 2025 so far to 14,811 – the highest ever recorded for the first five months in a year and the highest total for the first six months of the year, which was previously 13,489 on 30 June last year.

2025’s total so far is 42% higher than the same point last year (10,448), and 95% up from the same point in 2023 (7,610).

The highest daily total since data began in 2018 remains at 1,305 on 3 September 2022.

People thought to be migrants scramble onboard a small boat leaving the beach at Gravelines, France, in an attempt to reach the UK by crossing the English Channel. Picture date: Saturday May 31, 2025. PA Photo. Photo credit should read: Gareth Fuller/PA Wire
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Migrants were seen scrambling to get on small boats in the shallows of a beach at Gravelines, France, on Saturday. Pic: PA

On Saturday, French police watched on while people, including children, boarded small boats in the shallows of a beach in Gravelines, between Calais and Dunkirk.

Authorities were then pictured escorting the boats as they sailed off towards the UK.

Mr Healey said: “Pretty shocking, those scenes yesterday.

“Truth is, Britain’s lost control of its borders over the last five years, and the last government last year left an asylum system in chaos and record levels of immigration.”

He said it is a “really big problem” that French police are unable to intervene to intercept boats in shallow waters.

Migrants waited for the boats to come to the beach before wading in to the shallows to board. Pic: PA
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Migrants waited for the boats to come to the beach before wading in to the shallows to board. Pic: PA

“We saw the smugglers launching elsewhere and coming around like a taxi to pick them up,” Mr Healey added.

He said the UK is pressing for the French to put new rules into operation so they can intervene.

“They’re not doing it, but for the first time for years, for the first time, we’ve got the level of cooperation needed,” Mr Healey said.

“We’ve got the agreement that they will change the way they work, and our concentration now is to push them to get that into operation so they can intercept these smugglers and stop these people in the boats, not just on the shore.”

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Migrants waited on the beach at Gravelines before boarding boats to the UK. Pic: PA
Image:
Migrants waited on the beach at Gravelines before boarding boats to the UK. Pic: PA

People waded through the shallows to get on small boats. Pic: PA
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People waded through the shallows to get on small boats. Pic: PA

On Saturday, Conservative shadow home secretary Chris Philp accused Labour of having “completely lost control of our borders”.

The Home Office released figures on Thursday that revealed France is intercepting fewer Channel migrants than ever before, despite signing a £480m deal with the UK to stop the crossings.

French police watched on as migrants boarded the boats in the water at Gravelines. Pic: PA
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French police watched on as migrants boarded the boats in the water at Gravelines. Pic: PA

French authorities escort people thought to be migrants onboard a small boat leaving the beach at Gravelines, France on 31 May 25
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French authorities escorted the boats after they left the beach. Pic: PA

This year, French police have prevented just over 38% (8,347) of asylum seekers from reaching the UK in small boats, with 13,167 having made the journey successfully.

They stopped an estimated 45% last year and 47% in 2023.

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