交易概述 - 摩根大通与苹果公司已达成协议 将成为苹果信用卡的新发卡行 预计将很快宣布该交易 [1][2] - 该交易谈判历时超过一年 前提是没有“最后一分钟的意外” [2] - 摩根大通将接管高盛原有的苹果信用卡项目 [2] 交易条款与资产状况 - 高盛将以超过10亿美元的折扣 剥离该项目约200亿美元的未偿信用卡余额 [2] - 该折扣归因于该项目对次级借款人的高风险敞口 以及高于行业平均水平的拖欠率 [3] - 大多数联名卡项目的余额出售时通常有高达8%的溢价 最优质项目的溢价可达两位数 [3] 业务运营计划 - 摩根大通将为新老客户发行苹果信用卡 并计划推出新的苹果储蓄账户 该账户将与高盛已建立的账户并存 [4] 合作历史背景 - 苹果信用卡项目于2019年3月与高盛和万事达卡合作推出 苹果CEO蒂姆·库克曾表示信用卡体验有很大改进空间 [5] - 2023年11月有报道称 苹果决定终止与高盛的信用卡合作 并提出退出合同 [5] - 2024年7月有报道称 自2024年初开始谈判后 摩根大通与苹果已接近就信用卡项目达成协议 [5] 合作终止原因 - 高盛在尝试建立全方位消费者业务时遭受重大损失 因此告知苹果其打算剥离该合作伙伴关系 [6] - 2024年10月 美国消费者金融保护局表示 将因涉嫌影响数十万苹果信用卡用户的服务违规行为 对苹果和高盛处以超过8900万美元的罚款 [6]

高盛宣布达成协议，将苹果卡项目过渡给摩根大通，预计过渡将在大约24个月内完成。 来源：滚动播报 ...

公司与合作方动态 - 苹果公司与大通银行宣布，大通银行将成为苹果信用卡的新发卡行，预计过渡期约为24个月 [1] - 万事达卡将继续作为苹果信用卡的支付网络 [1] 产品与服务要点 - 苹果信用卡用户可继续享受其获奖体验，包括每笔消费最高3%的无上限每日现金返还、易于使用的消费工具、苹果信用卡家庭共享功能以及高收益储蓄账户的访问权限 [1]

JPMorgan's asset and wealth management unit is dropping proxy advisors for shareholder voting in the US. In place of external human advisors, the bank is launching an in-house AI tool. The tool, named Proxy IQ, will cover all aspects of the voting process, according to an internal memo. JPMorgan's asset and wealth management division is ditching its long-held practice of using external proxy advisors for advice on shareholder voting decisions. The bank said it was "the first major investment firm ...

Jan 7 (Reuters) - JPMorgan Chase and Apple on Wednesday announced a deal under which the bank will become the new issuer of the ​Apple Card, replacing Goldman Sachs, further expanding the biggest U.S. bank's credit ‌card franchise. The deal would cement JPMorgan's position in the credit cards segment and mark another win for ‌CEO Jamie Dimon, under whose leadership the bank has become a dominant force in retail and investment banking. The move is estimated to bring over $20 billion in card balances to C ...

JPMorgan Chase has reached a deal to take over Apple credit-card program from Goldman Sachs , the Wall Street Journal reported on Wednesday, citing people familiar with the matter. ...

Rumors about Goldman Sachs (NYSE:GS) exiting its support for the Apple Card have been circulating for quite some time. The Apple Card played a significant role in Goldman’s failed expansion into consumer Fintech. While the thesis that Goldman’s vast expertise in global markets would play well with the mass affluent by leveraging tech made sense, the execution of the strategy struggled from the beginning. Goldman eventually initiated a full-scale retreat to focus on its wheelhouse operations.Today, according ...

Jamie Dimon, chief executive officer of JPMorgan Chase & Co., during the 2025 IIF annual membership meeting in Washington, DC, US, on Thursday, Oct. 16, 2025.JPMorgan Chase has reached a deal to become the new Apple credit card issuer, taking over from Goldman Sachs, according to a person familiar with the matter.Both banks declined to comment. The deal, nearing finalization after roughly a year of negotiations, means JPMorgan will offload about $20 billion of card balances at a more than $1 billion discoun ...

After more than a year of negotiations, a deal to take over Goldman Sachs's role in Apple program is expected to be announced soon ...

JPMorgan 区块链业务部门 Kinexys 与 Digital Asset 宣布，计划将 JPMorgan 发行的美元存款型代币 JPM Coin（JPMD）原生部署至注重隐私与合规的 Canton Network。双方表示，相关集成将于 2026 年分阶段 推进，初期重点在于支持 JPM Coin 在 Canton Network 上的发行、转移和近乎即时的赎回，并探索将 Kinexys 的其他数字支付产品接入该网络；此前 DTCC 已选择 Canton Network 用于传统金融资产的代币 化。（CoinDesk） （来源：吴说） ...