Banking giant JPMorgan Chase says the majority of billionaires around the world are now using AI as a tool to gain an advantage, as the tech moves from hype to habit.
In its Principal Discussions Report 2025, JPMorgan researchers conducted hour-long conversations with 111 billionaire principals across 28 countries, representing more than $500 billion in combined net worth and spanning over 15 industries.
JPMorgan’s research shows that AI adoption is no longer marginal at the top of the wealth pyramid.
Nearly 80% of billionaire principals report using AI in their personal lives, while 69% say they actively deploy it inside their businesses, applying it across research, planning, legal analysis and strategic decision-making.
One principal summarized the scale of the shift in simple terms.
“Technology has changed the world, and AI is the new shift.”
The report shows AI being used for practical, revenue-linked applications rather than speculative experimentation. Principals described using AI to analyze optimal rental pricing, refine strategic business plans, optimize fleet management, monitor investment portfolios and extract insights from annual reports and investment documents.
In one case cited by the report, an AI-generated analysis helped a principal avoid $100,000 in legal research costs, highlighting AI’s growing role in cost compression and efficiency at the highest levels of capital.
Despite widespread adoption, JPMorgan notes that attitudes toward AI remain divided, even among active users. Some principals raised concerns that AI could narrow thinking or erode deeper human judgment if relied on too heavily.
But one principal dismissed the notion that AI is “a total and complete utter waste of time,” believing that the tech will change society in the coming years.
“From a work standpoint, it is central to everything I’m doing… We have a hugely exciting two decades ahead of us.”
JPMorgan’s findings suggest that among global billionaires, AI is no longer viewed as optional or experimental. Whether embraced cautiously or aggressively, understanding and deploying AI has become a baseline requirement for staying competitive, preserving capital and navigating the next phase of technological and economic change.
Says the firm,
“Whether cautious or curious, most agree: understanding AI is no longer optional; it’s essential to staying ahead.”
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