J.P. Morgan + SAP:
A deeper strategic partnership for integrated banking capabilities
Discover how J.P. Morgan and SAP embed integrated banking capabilities to streamline treasury workflows and enable real-time insights and payment automation.
98
of the largest 100 companies in the world are SAP customers1
84%
of global commerce orchestrated through SAP1
$12T+
payments processed daily by J.P. Morgan2
Find us at SAP Sapphire to see how we're making everyday treasury tasks even easier by moving our new AI innovations and current SAP solutions to the cloud
SAP Sapphire Orlando
May 11 - 13, 2026
Orlando, Florida
North Hall, Booth 444 & South Hall, Booth 301
SAP Sapphire Madrid
May 19 - 21, 2026
Madrid, Spain
Hall 10, Booth 10.314
Sapphire Spotlight : J.P. Morgan in Action
The Beginning of Better - Keynote Session
Tuesday, May 12
8:30 AM - 10:00 AM EDT, Orlando
Discover how SAP provides the powerful foundation of applications and data that AI needs to truly deliver business outcomes. Hear from Christian Klein, Muhammad Alam, Philipp Herzig, and Sebastian Steinhaeuser. J.P. Morgan CFO Jeremy Barnum will join this panel and share more on J.P. Morgan & SAP Partnership.
AI innovation in the office of the CFO with SAP and J.P. Morgan
Tuesday, May 12
3:00 PM - 3:45 PM EDT, Orlando
Corporate finance teams face fragmented ERP and banking systems that slow cash visibility, reconciliation, and payments. J.P. Morgan and SAP partnered to embed integrated banking services into SAP S/4HANA using cloud and AI capabilities. The collaboration delivers streamlined treasury operations, real-time insights, and enhanced payment automation.
The AI‑native treasurer: Building J.P. Morgan agents with Joule
Wednesday, May 13
11:00 AM - 11:20 AM EDT, Orlando
Hear how J.P. Morgan integrated banking APIs into the Joule solution to create an AI-enhanced treasury assistant for its clients. Using natural language, corporate users can track payments, validate accounts, and manage banking operations directly in Joule using specialized agents developed with Joule Studio and SAP Business Technology Platform.
Driving invoice-to-pay excellence through AI and cash optimization
Wednesday, May 13
2:30 PM - 2:50 PM EDT, Orlando
Hear JPMorgan Chase & Co. and SAP discuss agile, AI agent-enabled invoice-to-pay processes, powered by JPMorgan’s financial services embedded within SAP software. Learn how integrated banking capabilities can help you simplify change management, mitigate risks, optimize cash and liquidity, and accelerate business transformation.
The AI‑native treasurer: Building J.P. Morgan agents with Joule
Wednesday, May 20
1:00 PM - 1:20 PM CEST, Madrid
Discover how J.P. Morgan integrated banking APIs into the Joule solution to create an AI-powered treasury assistant for its clients. Using natural language, corporate users can track payments, validate accounts, and manage banking operations directly in Joule using specialized agents developed with Joule Studio and SAP Business Technology Platform.
Driving invoice-to-pay excellence through AI and cash optimization
Wednesday, May 20
3:30 PM - 3:50 PM CEST, Madrid
Hear JPMorgan Chase & Co. and SAP discuss agile, AI agent-enabled invoice-to-pay processes, powered by JPMorgan’s financial services embedded within SAP software. Learn how integrated banking capabilities can help you simplify change management, mitigate risks, optimize cash and liquidity, and accelerate business transformation.
From Vision to Value
As J.P. Morgan & SAP deepen our partnership—moving from 2025’s “Art of the Possible” to delivering measurable Value today—we’re now ready to show how we’re embedding payments and financial services directly into your treasury workflows, transforming day-to-day execution and shaping the future of Treasury together.
The use cases and data presented herein are fictitious and do not represent actual clients, transactions, or financial information. Not all functionality showcased is commercially available at this time and should be interpreted as an offer, solicitation, or commitment by J.P. Morgan. The features demonstrated in this scenario utilize SAP functionalities that incorporate J.P. Morgan bank data. The demo is intended to showcase these capabilities.
More Ways J.P. Morgan is Elevating Treasury with Joule AI
The scenario presented is fictional, and the functionality illustrated is not currently available. The individual use cases may or may not be approved for client use in the future. This scenario assumes that the fictitious client is an existing J.P. Morgan client with a J.P Morgan Access profile. The demonstrated capabilities are contingent upon this client relationship. The features demonstrated in this scenario utilize existing SAP functionalities that incorporate J.P. Morgan bank data. The demo is intended to showcase these capabilities.
Marcus
Marcus, an IT Treasury Lead, uses a Joule AI assistant embedded in SAP S/4HANA Cloud to onboard and integrate a new J.P. Morgan bank account for the company’s New York legal entity.
The scenario demonstrates how AI Agent orchestrates cross-system treasury onboarding processes and guides users seamlessly through SAP and external banking workflows.
- Step 1: Account Identification & Setup. Marcus provides the bank account number, and the AI automatically retrieves the available Bank Master Data and House Banks related to the account.
- Step 2: Bank Account Creation in SAP. After Marcus selects the correct Bank Master Data and House Bank, the AI generates step-by-step instructions and launches the Manage Bank Accounts app in SAP. Marcus creates the new bank account in SAP S/4HANA by entering the required banking details and activating the account.
- Step 3: Status Validation & Connectivity Setup. Once the account is created, the AI validates the onboarding status and proceeds with the connectivity configuration workflow.
- Step 4: Authorization Services Flow. Marcus chooses to use SAP Multi-Bank Connectivity (MBC). The AI redirects him to the J.P. Morgan Bank Authorization Services portal, where he:
- Logs in securely
- Signs the consent for service activation
- Selects the required bank accounts
- Activates the services
- Step 5: Return to SAP & Completion. After completing the authorization flow, Marcus returns to SAP, where the AI updates the onboarding status and confirms that the bank connectivity setup is complete.
Elena
Elena, a Strategic Procurement Officer, needs to promptly create a supplier business partner record in SAP while ensuring bank details are validated to prevent payment returns.
This scenario demonstrates how AI Agent streamlines supplier onboarding, reduces manual verification effort, and helps procurement teams prevent payment failures through integrated validation services.
- Step 1: Supplier Request Initiation. Elena opens her workspace and sees a message requesting the creation of a new supplier business partner.
- Step 2: AI-Guided Supplier Onboarding. Elena starts a conversation with the J.P. Morgan Validation Services Agent inside SAP S/4HANA Cloud. The Agent guides her through the onboarding flow and requests the required supplier entity and bank account information.
- Step 3: Supplier & Bank Data Submission. Elena provides the supplier details, including:
- Legal entity name
- Address
- Bank country
- Bank number
- Bank account type
- Account number
- Step 4: Entity & Account Validation. Using J.P. Morgan Validation Services, the Agent performs:
- Supplier entity validation
- Sanctions/compliance screening
- Bank account ownership verification
- Account status validation
- The system confirms that:
- No compliance or sanctions issues were found
- The bank account is active and valid
- Account ownership matches the supplier
- The supplier passes validation with a high confidence score
- Step 5: Business Partner Creation in SAP. After successful validation, Elena approves the onboarding. The AI automatically creates the supplier as a Business Partner in SAP and confirms the creation with the generated Business Partner ID.
David
David, an AP Specialist, needs to process an urgent supplier invoice and ensure sufficient funds availability before initiating the payment.
This scenario demonstrates how Agentic AI enhances treasury operations by combining SAP workflows with real-time banking APIs, enabling faster decisions, reducing payment delays, and improving cash visibility.
- Step 1: Balances Review in SAP. David opens his SAP workspace and navigates to the Manage Bank Account Balances application to review available company cash positions across multiple bank accounts.
- Step 2: Static Balance Visibility Challenge. While SAP displays balances and account statuses, David realizes the information is not real-time and may not reflect the latest updates.
- Step 3: Real-Time Balance Verification with Agentic AI. To obtain accurate balance data, David engages the J.P. Morgan Real-Time Balances Agent directly within SAP. The AI assistant retrieves live balance information from J.P. Morgan banking services for the selected operating account.
- Step 4: Insufficient Funds Detection. The Agent identifies that the initially selected USD Operating Account does not contain sufficient funds to process the payment.
- Step 5: AI-Driven Balance Optimization. Instead of manually reviewing additional accounts, David asks the AI assistant to suggest alternative accounts with enough available balance. The Agent scans connected USD accounts in real time and identifies a secondary account with sufficient funds to cover the payment.
- Step 6: Guided Navigation to Payment Execution. The AI assistant then provides direct navigation options to the relevant SAP applications, enabling David to:
- Review the real-time account balance
- Create the payment
- Monitor payment processing
Mei
Mei, a Vendor Relationship Manager, needs to verify the status of a missing supplier payment and provide proof of payment.
This scenario demonstrates how Agentic AI improves vendor relations and payment operations by delivering real-time payment visibility in SAP S/4HANA Cloud, enabling immediate supplier communication.
- Step 1: Payment Investigation Initiation. Mei opens her SAP workspace and navigates to the Display Process Flow application to investigate the payment transaction.
- Step 2: AI-Powered Payment Tracking. To accelerate the investigation, Mei engages the J.P. Morgan Chase Payment Tracking Agent directly within SAP and asks for the status of the supplier payment.
- Step 3: Real-Time Payment Trace Retrieval. The Agent retrieves the payment tracking details in real time, including:
- Payment amount
- Beneficiary name
- Transaction date
- SWIFT reference
- Bank routing information
- Current payment status across all processing stages
- Step 4: End-to-End Payment Visibility. The AI assistant identifies that:
- The payment was successfully processed by the originating bank
- Delivered to the intermediary bank
- But it is still pending at the beneficiary bank
- This gives Mei immediate transparency into where the payment is currently delayed.
- Step 5: Proof of Payment Generation. Since the supplier requires confirmation, Mei asks the Agent to generate proof of payment. The AI Agent offers options to:
- Create a downloadable PDF transaction report
- Email the report directly to the supplier
- Or perform both actions simultaneously
- Step 6: Automated Communication with the Supplier. Mei selects both options, reviews the generated email details, and confirms sending. The AI automatically sends the formal payment confirmation report to the supplier contact.
We'd love your feedback. What resonated? What surprised you? And what would you want to see next?
Empower business success
- Accelerate global expansion: Helps facilitate more seamless integration and support for global business growth
- Enhance financial performance: Aims to improve financial outcomes by optimizing processes and providing strategic insights
- Drive cloud modernization: Supports the use of automation and AI to modernize cloud infrastructure and operations
Drive your treasury goals with an integrated banking experience from J.P. Morgan + SAP
Help meet your business requirements today and scale your business for the future with the J.P. Morgan multi-product solution for SAP, offering simplified banking integration and a comprehensive set of banking capabilities.
Enhance the J.P. Morgan + SAP partnership with our system integrator partners
More ways J.P. Morgan is working to enhance your Treasury Experience
SAP Integrated Solutions Video
Experience the power of our integrated solutions with SAP. Watch the demo to see how our collaboration can help transform your business operations.
Payments Partner Network
Learn more about the new SAP Partnership and explore our extensive payment solution offerings across the J.P. Morgan Payments Partner Network.
Frequently asked questions
Get answers to some common questions about our work with SAP.
About the J.P. Morgan + SAP partnership
What is the nature of the partnership between J.P. Morgan Payments and SAP?
The partnership between J.P. Morgan Payments and SAP involves a direct collaboration aimed at accelerating payment integrations. This strategic alliance enables both companies, two of the leaders in their industries, to expedite the development of next-generation integration solutions. It is important to note that the art-of-the-possible demo is not a product but rather a showcase of potential future innovations.
Doesn't J.P. Morgan already work with SAP?
While J.P. Morgan has previously worked with SAP through third-party integrations–such as those involving trade and virtual card services via SAP's company, Taulia–this new initiative marks the formalization of a direct partnership with SAP. This partnership launch, distinct from a product launch, is expected to empower J.P. Morgan to accelerate client-centric integrations and better meet the needs of our clients. For information on existing integrations, please refer to the details provided below.
What is the role of the System Integrators (SIs) in the partnership?
With the partnership between J.P. Morgan and SAP, System Integrators (SIs) will enhance and support the collaboration. Specifically, EY, Accenture and Tech Mahindra have been selected by both SAP and J.P. Morgan to amplify the partnership's impact and effectiveness.
Are there any specific products or services being developed because of this partnership?
In the initial phase of our partnership, we are focusing on specific use cases, including Joule, Kinexys, supply chain finance and virtual card services via Taulia. We are committed to developing additional use cases based on client feedback and will continue to update the site as new opportunities are identified and prioritized.
Is the demo a product?
The demo symbolizes what J.P. Morgan and SAP believe could be possible when two technology-forward companies come together to drive innovation for clients.
Where can I learn more about the existing solutions?
Visit our Payments Partner Network using the link above to learn more about our existing solutions with SAP.
Integrated Solutions for SAP
Is the J.P. Morgan Integrated Solution for SAP an application or direct integration?
J.P. Morgan partnered with Findroids to develop a global ERP application tool for SAP clients. This is not a direct integration, and clients will need the proper resources to implement the application tool into their SAP ERP.
Do you have to be a J.P. Morgan client?
Yes, you need to be a J.P. Morgan client using SAP S4/HANA or ECC 6.0 and above.
What offerings are available, and does the client have to implement all features?
Our Integrated Solution has SAP Payment Adapter 2.0 as well as real-time treasury features including cash visibility, payment tracking for cross-border wires, reporting and real-time payment initiation. Clients can choose which features they would like to implement.
What SAP versions support this integration?
This solution is only available for SAP S4/HANA and ECC 6.0 or above.
Does the client have to manage the security credentials?
Clients are required to manage their own security credentials following our BAU process. Our technical Implementation team will assist client with questions upon TIM assignment.
What is the support model for this Integrated solution?
Clients would advise J.P. Morgan CSAM if they are having issues with the integrated solution. Findroids will engage in servicing after installation of the payment adapter or the SAP RTT app if a product issue determined.
Ready to see how our ecosystem can support your business?