[JPMorgan Believes AI Disruption Will Drive Small Bank Mergers] According to a report by Golden Finance, JPMorgan analysts stated that smaller banks in the U.S., which struggle to keep up with the pace of artificial intelligence spending, may be forced to merge to offset the impact on their revenue. The team led by Vivek Juneja pointed out that although most banks are actively investing in AI capabilities to fend off competitors, growing concerns about the technology's impact have intensified, triggering a recent sell-off in the industry. Analysts emphasized that banks must increase their investments to keep up.