Since arriving at JPMorgan Chase through a merger in 2003, Dimon has spent hundreds of hours trying to rid the investment-banking division of unnecessary expenses and improve its performance.

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Those expenses are largely unnecessary if we can use digital technology to manage the flow of payments, which is commonplace in other industries, from financial services and banking to retail.

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This will increase pressure on insurers to cut unnecessary costs on administrative and all other non-medical expenses.

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