中经记者 郝亚娟 夏欣 上海、北京报道 近日，美国最大的金融服务集团之一摩根大通银行告知多家金融科技初创企业，计划从9月开始对这些 企业收取访问银行客户数据的费用。 南开大学竞争法研究中心主任、法学院副院长陈兵教授也指出，近年来越来越多金融机构通过开放API 接口的方式，实现数据能力的商业化输出。以摩根大通为例，其向金融科技公司收费开放客户数据接口 的做法，引发了关于数据资产收费合理性的讨论。从本质上看，这种做法属于数据产品的市场交易行 为。只要数据的采集合法、用户已知情同意，并在后续的使用与流通中履行了应有的安全保障义务，接 口调用与付费机制就属于正常的商业安排，具备合理性。 多位分析人士认为，作为行业巨头的摩根大通此举可能引发其他银行跟进。如果众多银行开始对数据访 问收费，金融科技行业与传统银行的合作模式将被重新定义，行业整体运营成本将大幅攀升。 降低潜在数据访问成本 关于收取访问银行客户数据费用的问题，摩根大通发言人表示："数据中间商持续免费访问我们的零售 客户数据，其中90%的时间并非出自客户的要求，然后他们再向第三方收取使用这些数据的费用。如果 他们只在因应客户要求的情况下访问有关数据，这将大大降低 ...

jpmorgan, pnc, amex all routing through coinbase/base while btc etf custody hits 80%. banks have no choice left ...

Group 1 - The upcoming non-farm payroll data for July is crucial for assessing the labor market and determining the Federal Reserve's interest rate decisions in September [1] - The market expects 104,000 new jobs in July, a decrease from 147,000 in June and below the three-month average of 150,000 [1] - The unemployment rate is anticipated to rise to 4.2%, slightly worse than the previous 4.1%, but still below the Fed's year-end forecast of 4.5% [1] Group 2 - Initial jobless claims fell to 221,000, down from 246,000, indicating a potential improvement in the job market [2] - The Challenger job cuts increased by 62,000 in July, up from 48,000 in June, signaling rising layoffs [2] - The labor market sentiment index dropped to a cycle low of 11.3 percentage points, significantly below the 2019 average of 33.2 percentage points [2] Group 3 - Bank of America predicts a 60,000 increase in jobs for July, primarily due to a decline in government employment [3] - Morgan Stanley forecasts a total of 100,000 new jobs, with the private sector contributing all of this growth [3] - Analysts note that tariff policies may negatively impact manufacturing employment in the coming months [3] Group 4 - Bank of America suggests that the impact of immigration restrictions may not be fully realized in July, but they expect negative effects on industries like leisure and hospitality [4] Group 5 - The Federal Reserve aims for a balanced labor market rather than a sharp decline, with market reactions dependent on the strength of the employment data [6] - High employment numbers could delay interest rate cuts, while weak data may raise recession concerns [6] - Market reactions to employment data are categorized by ranges of job growth, with specific predicted impacts on the S&P 500 index [6]

Monetary Policy & Economy - JP Morgan CEO认为美联储主席是专业的，保持独立性很重要，实际上独立性可以降低利率[1][2] - 降低短期利率不一定对10年期利率产生影响，应该谨慎[2] - 鉴于宏观环境，JP Morgan CEO认为美联储将很快降息[3] - 美国经济已经软着陆四到五年，通货膨胀率仍未达到2%，可能在2%-2.5%或2.7%之间[3] - 如果通货膨胀率下降，经济持续良好，美联储可能会很快降低利率[4] Tariffs - JP Morgan CEO表示关税是温和的、经过深思熟虑的，并且更加谨慎地执行，人们可以应对15%的关税[4] Growth Drivers - JP Morgan CEO认为人工智能（AI）和改革监管是全球增长的两个主要推动力[6][7][8] - JP Morgan CEO认为人工智能最终将有利于生产力和效率的提高，即使人们会因此失业[7] - JP Morgan CEO认为通过消除与许可和其他方面相关的摩擦和流程，可以释放增长潜力[7] Leadership Succession - JP Morgan CEO表示继任计划始终是首要考虑的事情，但未在此次采访中讨论[5]

Let's now move over to our Leslie Picker who joins our joins us fresh off our exclusive sitdown with JP Morgan CEO Jamie Diamond. Leslie, hey Frank. Yeah, we covered a lot of ground with Jamie Diamond here in Charlotte.I asked him about President Trump's latest attacks on Fed Chair Powell. I think Jay Pal is a professional. I think independence is important.I think actually independence keeps interest rates lower if you actually look through the history of interest rates a little bit. uh and just lowering s ...

💥BREAKING:JPMorgan CEO Jamie Dimon says he is a "believer" in stablecoins and blockchain. ...

🇺🇸 $4 TRILLION JPMORGAN CEO JUST SAID HE IS A BELIEVER IN STABLECOINS AND BLOCKCHAIN. ...

I recommend opting out of companies that didn’t support crypto until it impacted their bottom line.Watcher.Guru (@WatcherGuru):JUST IN: JPMorgan CEO Jamie Dimon says he is a "believer" in stablecoins and blockchain. ...

JUST IN: JPMorgan CEO Jamie Dimon says he is a "believer" in stablecoins and blockchain. ...

CNBC’s Leslie Picker with JPMorgan CEO Jamie Dimon, join 'Money Movers' to discuss his branch strategy, the economy, his meetings with the president and Trump's comments about Fed Chair Powell. ...