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  "documentTitle": "2020 ccb investor day",
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  "authorName": "JPMorgan Chase & Co.",
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      "text": "Digital Income Verification: Income inferred digitally using existing data assets; ~15% recent mortgage applications underwritten; ~5 days faster cycle time and 8ppt lift in pull-through",
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      "text": "Credit line increases: Targeted credit line increase offers using digital income capture; 6% higher spend; 18% higher outstandings",
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      "text": "Fraud detection and prevention: Machine learning model to approve more valid and decline more fraud transactions; ~50% reduction in credit card fraud loss rate since 2014 – 24% YoY; ~$260mm annualized benefit due to lower fraud loss rate vs. 2014",
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      "text": "Already approved offers: 1-click digital offers using existing customer data; ~10mm customers eligible; Up to ~20% higher conversion rate",
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      "text": "~63mm households with a Chase product",
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