Welcome to the Tearsheet Podcast. I’m Tearsheet editor-in-chief, Zack Miller. So much time and money is spent on maintaining technology within incumbent organizations. Instead of calling this tension “technology debt” or even “legacy technology”, JPMorgan Chase CIO for consumer and community banking Rohan Amin likes to call it heritage tech. I like that description as it gives room for the ongoing investment in the tech stack but also in customers and the brand. Rohan joins us on the podcast to discuss his mandate as CIO of the largest US bank with a tech budget of $4 billion and over 12,000 technologists globally. We talk about the balance between maintenance and building and creating new products. He discusses how the pandemic affected the businesses he and his team support. We talk about the bank’s approach to accessibility and APIs. Lastly, Rohan talks about his biggest priorities for 2021 and beyond. Chief information officer for consumer & community banking at JPMorgan Chase, Rohan Amin is my guest today on the Tearsheet Podcast.