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  "documentTitle": "2019 ccb investor day ba56d0e8",
  "authorId": "JPMorgan",
  "authorName": "JPMorgan Chase & Co.",
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      "text": "1. Median existing customer opened account via Digital Account Opening (“DAO”) in ~3 minutes. Median new-to-bank customer opened account via DAO in ~5 minutes. Does not include time to open an account via in-branch DAO\n2. As of February 2019\n3. When customers initiate an external transfer to a Real-Time Payments (RTP) network enabled bank, they have the option to use RTP, which settles within 15 seconds\n4. Proportion of 4Q18 teller transactions that were eligible to be completed at an ATM\n5. Includes multi-channel and digitally-centric channel segments; Consumer Banking customer channel segments are defined based on the tenure of the customer as of the respective time period. For customers with tenure of greater than 12 months, we use the following thresholds calculated over a year: Digitally-centric – <=4 branch visits and 12+ digital transactions or 100+ digital log-ins or 24+ external ACH transactions per year; Multi-channel – >4 branch visits and 12+ digital transactions or 100+ digital log-ins or 24+ external ACH transactions per year; Branch-centric – >4 branch visits and <12 digital transactions and <100 digital log-ins and <24 external ACH transactions per year; Other – <=4 branch visits and <12 digital transactions and <100 digital log-ins and <24 external ACH transactions per year. For customers that are less than 12 months on book, we reduce the thresholds by 75% and track the customer activity over a three-month time period\n6. Analysis shows difference in full year pretax income, Jan. – Dec. 2018, for households that are engaged with 2 or more products across lines of business vs. Consumer Banking-only engaged households",
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      "text": "Notes on slide 14 – We are innovating across our channels and throughout the customer lifecycle",
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