David Morgan

David Morgan spent fifteen years climbing the ranks at JPMorgan Chase, ultimately serving as Managing Director covering financial technology partnerships before transitioning to independent analysis. His dual expertise in traditional banking operations and emerging fintech disruption gives him a unique perspective on the industry's transformation. David was among the first analysts to recognize how Buy Now Pay Later services would challenge credit card dominance, and his analysis of the banking crisis in early 2023 proved prescient for those who heeded his warnings about unrealized losses in bond portfolios. He holds an MBA from Columbia Business School and a BA in Finance from NYU Stern. David's strength lies in understanding regulatory frameworks, capital requirements, and how technology is reshaping everything from payments to lending. His analysis bridges Wall Street's old guard and Silicon Valley's disruptors, making him essential reading for anyone invested in the financial services sector. Based in Manhattan, he maintains extensive contacts across both traditional banks and fintech startups.