The Wall Street Journal reported JPMorgan Chase spent about $8 billion this year on technology. But when it came to developing a new online loan for small business, the bank turned to an unlikely outsider.

The Journal said JPMorgan will start using online lender OnDeck Capital to help make loans to some of the bank’s roughly four million small-business customers.

The Journal noted the partnership offers considerable upside for both parties, while also highlighting some of the risks that banks must consider as they weigh whether to team up or compete with fast-expanding online lenders.

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