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  "documentTitle": "2022 consumer community banking investor day",
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  "authorName": "JPMorgan Chase & Co.",
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  "notes": "This is a standard appendix disclosure slide providing methodology and definitions for data points used in a previous slide.",
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      "text": "1. Reflects March 2022 last-twelve-months; percentage change shown vs. March 2020 last-twelve-months\n2. Total payment volumes and transactions reflect Consumer and Small Business customers' digital (ACH, BillPay, PayChase, Zelle, RTP, External Transfers, Digital Wires), non-digital (Non-digital Wires, ATM, Teller, Checks) and credit and debit card payment outflows\n3. Defined as consumer deposit customers and Credit Card-only customers who perform >30 payment transactions in a month; payment transactions includes ATM, ACH, BillPay, Pay Chase, Zelle, RTP, External Transfers, Internal Transfers, Digital Wires, Non-Digital Wires, Debit Card, Credit Card, and Check Transaction Outflows\n4. Reflects 4Q21 vs. 4Q20. Chase figures and industry benchmark based on Argus data. Data excludes: small business, private label, secured and charge cards as well as select co-brand portfolios. Industry reflects all general purpose credit cards ex. Chase.\n5. For 1Q21; e-commerce spend defined as Card Not Present spend\n6. Zelle transaction volumes represent outflows\n7. Metric is based on payment outflows for transactions including BillPay, RTP, External Transfers, Zelle, Internal Transfers, SMB ACH (Vendor & Employee), SMB RTP, and Pay Chase. Excludes products that are also leveraging different infrastructure, including debit, credit, ACH debit.\n8. Faster delivery from teams working on components that are modernized compared to teams working on legacy applications and infrastructure based on 3 month average lead time in February through April 2022; cycle time is the average number of days for Jira stories and defects to progress from ideation to release\n9. Indexed to 2019 volumes\n10. Mobile sign-ons based on average number of monthly logins for FY21; NPS defined as Net Promoter Score",
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      "text": "Notes on slide 35",
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