J.P. Morgan is a global leader in financial services, offering solutions to the world's most important corporations, governments and institutions in more than 100 countries. The paper mainly analyzes the leader of digital transformation in the banking industry by Grey Relation Analysis. J.P. Morgan is actively deploying advanced technologies such as blockchain and artificial intelligence to enhance its digital capabilities and promote the implementation of digital scenarios. We believe that the research into J.P. Morgan's digital transformation has important reference significance for China's banking institutions to accelerate digital transformation and build the core competitiveness of digital banks with technological innovation as the key gene.

Keywords: Universal Service Positioning; Top-level Digital Strategy; Wholesale Business Scenario Application; Grey Relation Analysis