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Transforming the bank’s technology is another pillar of Dimon’s plan. When he arrived, J.P. Morgan was saddled with mismatched computer systems inherited from Chase, Chemical, and Texas Commerce. Lots of expensive software and interfaces were needed for the different systems to talk to one another, making J.P. Morgan’s costs per transaction among the highest in the industry. The computer confusion also hampered the bank’s ability to market more products to existing customers. Sitting with a client, a branch banker couldn’t call up much more than a checking history. Nothing popped up about whether the customer qualified for a mortgage or credit card.
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