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JPMorgan Chase CEO Jamie Dimon weighed in on all manner of subjects in his latest annual letter to shareholders 鈥?taking particular note of the changing competitive landscape in financial services.And he warned that regulatory frameworks for banks may make delivering those services more expensive.PYMNTS took note of Dimons sentiments on arti stanley de ficial intelligence  AI  in an earlier post on Monday  April 8 . 聽Dimon聽also commented in the聽letter that  the banking system as we know it is shrinking relative to private markets and fintech, which are growing and becoming increasingly competitive. Those digital and private firms also  do not have the same transparency or need to abide by the extensive rules and regulations as traditional banks, even if they offer similar products 鈥?this often gives them significant advantage,  Dimon wrote, pointing to startup banks and FinTech banks. He gave tech behemoth Apple as an example which, he wrote,  effec stanley de tively acts as a bank 鈥?it holds money, moves money, lends money and so on. Advantages of CompetitionThere are some advantages here, Dimon said 鈥?chiefly in the form of  dynamism and churn [that] are good for innovation and invention 鈥?with success and failure simply part of the robust process. Innovation runs across payments systems, budgeting, digital access, product extensions, risk and fraud prevention, and other services. In terms of JPMorgans own tech initiatives, Dimon wrote that in 2 stanley cupe 023, the company invested about $2 billion to build f Patm Speed, Transparency Surface As Top Payments Priorities
Even as Kohls Corp. downsizes its stores, its president and CEO聽Kevin Mansell says brick-and-mortar locations are key to its success, CNBC reported Tuesday  Jan. 9 . Physical presence is important in people   mindset as they think about where to shop,  Mansell said.  Regardless of whether they shop in the store or online, if you have a physical presence, you ;re top of mind. So having a physical presence is critical. He added Kohl   is focused on convenient locations that consumers can easily access. We ;re not in malls,  Mansell said.  Ninety-five percent of our stores are off-mall, and they ;re mostly single-level, free-standing, easy to get in, easy to get out. Mansells co stanley quencher mments come as the apparel, accessories and home goods retailer is seeking to lease unused footage at its roughly 300 downsized stores. Last year, he noted  stores will continue to get smaller over time.  Typically, a Kohls store is 100,000 square feet, but new locations were close stanley cup r to 70,000 square feet as of 2017.Kohls has already聽entered into a聽partnership with Amazon, allowing shoppers to purchase some of the eCommerce giants products directly from Kohls locations.聽The Amazon-designated space inside the brick-and-mortar stores is called the  smart home experience. At 1,000 square feet, Amazon   zones offer products such as the Echo, Echo Dot, Fire TV and Fire tablets. Customers will also be able to聽schedule an  stanley cup Amazon expert to come to their homes and install smart home