American Express:
the AI strategy, sourced.

• March 25, 2026: Squeri's shareholder letter positions the company for 'an AI-powered world', calling prior technologies accelerants for the franchise, after a report cast doubt on its future.
• April 14, 2026: Agentic Commerce Experiences developer kit and Amex Agent Purchase Protection — an industry-first backing of Card Member purchases made by registered AI agents; on the Q1 call Squeri says the company is 'warming up in the bullpen' on agentic commerce.
• April 16, 2026: agreement to acquire Hypercard (Hyper), an agentic expense-management company, to build agentic tools across commercial services.
• Product pipeline: the Graphite Business Cash card (March 2026) uses agentic AI for product search and checkout; eight new or enhanced business products planned for 2026; a $300 ChatGPT Business credit on Business Platinum and Gold cards (May 2026).
• Workforce: 'We have a large backlog of tech products, with AI we are getting to more things quicker' — any reduction to come later through attrition (Q2 2026 call).
• Former holding: Amex GBT (separate since a 2022 spin-off) taken private by Long Lake for $6.3 billion in an AI-driven travel bet (May 2026); Amex GBT's Egencia connector now runs inside Anthropic's Claude.
• Earnings calls quantify the internal gains: a third-generation data platform on the public cloud cutting key marketing and fraud process times by 90%, GenAI tools deployed to nearly all colleagues (Q4 2025), about a 30% benefit in coding and testing (Q1 2026) and AI investment aimed at cutting coding cycle times 30% to 40% (Q2 2026).
• The 2025 10-K names agentic commerce as a competitive threat that could disintermediate customer relationships and lists AI model flaws, bias and 'hallucinatory' outputs among its risks.
• Who owns AI: no chief AI officer is named in the sources reviewed. Ownership is spread across Chief Information Officer Ravi Radhakrishnan (whose organisation also covers the Chief Data Office), Chief Data Officer Chris Gifford, Chief Technology Officer Hilary Packer and Luke Gebb, who leads Amex Digital Labs and the ACE kit (Forbes, May 2025 and January 2026; VentureBeat, July 2025).
• Governance stack: a cross-functional AI council, an enablement layer giving secure access to several large language models, an 'AI firewall', and modular policy 'brains' that agents must consult before acting; the council initially identified 500 use cases and 70 were in implementation by April 2025 (Forbes; VentureBeat).
• Engineering scale: the March 2026 shareholder letter says AI-assisted development tools reach more than 11,000 engineers and cut coding cycle time by over 30%, with agentic coding tools being scaled; AI search in the mobile app answers about one million inquiries a month.
• October 13, 2026: Amex published its Intent Intelligence framework, a Create Intent API plus an Intent ID and Proof of Intent Token that scope an agent's payment credential to what the customer approved; it ships through the ACE kit (Business Wire; TechCrunch).
• Patents: American Express Travel Related Services Company holds USPTO grants on large-language-model security and governance, among them risk mitigation (granted January 20, 2026), supply-chain security (March 17), an interaction sandbox (April 7) and a decentralised network to limit hallucinations (May 19), all filed in 2023 (Google Patents).
• AI partners and investments: Anthropic (Resy discoverable inside Claude, April 2026), Google's Agent Payments Protocol group (September 2025), Traversal (AI site-reliability engineering plus a $5 million Amex Ventures stake, March 2026) and Nekuda (agentic-payment credentials, May 2025).
• Open AI roles on its careers site include a vice president of responsible AI, a director of AI engineering, a senior product manager for agentic commerce and agentic-AI engineers in travel and infrastructure (listed below, as of 24 September 2026).

What is Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection?

Launched April 14, 2026, the ACE developer kit lets businesses integrate Amex payments into their AI-agent experiences, and Amex Agent Purchase Protection extends the network's backing to Card Member purchases made by registered AI agents — described by the company as an industry first. Days later Amex agreed to buy Hypercard, an agentic expense-management company, to build agentic tools for its commercial business.[5][6][13]

What is American Express's digital wallet strategy?

On the public record, American Express puts its cards inside the major digital wallets and runs the tokenization behind them rather than pushing a consumer wallet of its own: Card Members can add cards to Apple Pay, Google Pay and Samsung Pay and pay online with PayPal and Amazon, while the network side offers the American Express Token Service and Click to Pay. Its 2025 Form 10-K treats wallets as a competitive risk, warning that companies controlling them could suppress use of Amex products or require payments to take part. The newest front is agentic commerce: the ACE developer kit (April 2026) uses tokenized credentials so AI agents can pay with Amex, and Amex supports the open Agent Payments protocol.[1][2][25][5]

What AI partnerships and patents does American Express have?

American Express names few AI vendors outright. Its public record shows Anthropic (Resy inside Claude), Google's Agent Payments Protocol group, GitHub Copilot for engineers, and Amex Ventures stakes in Traversal, Nekuda, Bluefish and Fazeshift, plus the Hyper acquisition. On patents, American Express Travel Related Services Company holds USPTO grants on large-language-model risk mitigation, supply-chain security, an interaction sandbox and a decentralised hallucination check, all filed in 2023 and granted between January and May 2026, plus a 2025 grant on a registry of virtual agents and published applications on generative-AI integration and agentic routing. Foundation-model and cloud suppliers are not disclosed.[50][45][42][46][44][57][58][59][60][61][62][63]

What has Amex done on AI, and when?

• Oct 13, 2026

  Intent Intelligence framework published[55][56]

  Amex releases its framework and Create Intent API for capturing and authenticating purchase intent before an agent transacts; Gebb and VP Hannah Bozian describe it as a way to reduce disputes.

• Oct 8, 2026

  Agentic commerce playbook and merchant advisory council[54]

  Reported October 8 (released earlier that week): Amex releases a Teneo survey in which about two-thirds of US consumers use AI tools to compare prices and only 15% would let an agent make expensive purchases, and says it is convening a merchant advisory council.

• Oct 1, 2026

  Marrs: agentic commerce is 'less about tech and more about trust'[64]

  Group President of Global Merchant and Network Services Anna Marrs tells American Banker that Amex supports the Agent Payments protocol (an open standard with Google, PayPal and 60-plus other companies) and that AI agents already automate parts of credit underwriting, fraud detection and personalised customer service.

• Sep 30, 2026

  Next-generation Amex Corporate launched, with AI agents planned for fall[38][39]

  New Corporate Cashback Card, expense-management software and the Amex Expense app integrate; Amex says it will introduce an expense agent (reaching employees via SMS/Slack to suggest and help submit expense details) and an insights agent for analysing spending data, plus Accounts Payable software, later in fall 2026.

• Sep 15, 2026

  AI-powered payroll planned for early 2027[36]

  Alongside a new high-yield business savings account for small businesses.

• Aug 25, 2026

  AI dispute pilot doubles instant resolutions[35]

  An AI pilot surfaces similar historical transactions to service reps; immediately resolved dispute cases more than doubled.

• Aug 11, 2026

  Amex Ventures backs Fazeshift[34]

  Autonomous AI agents for accounts receivable, building toward a 'CFO suite built for autonomous finance'.

• Aug 7, 2026

  Amex GBT's Egencia connector in Claude[17]

  Agentic corporate travel through Anthropic's assistant.

• Jul 24, 2026

  Q2 call: closed loop and intent as the answer to agentic fraud[53]

  Squeri says agentic commerce is fraught with fraud and hallucinations and that knowing what the cardholder wanted and what the merchant delivered gives Amex an advantage; agentic initiatives were not in the year's original spending plan.

• Jul 24, 2026

  Q2 10-Q lists agentic commerce among strategic dependencies[52]

  The filing ties results partly to the ACE kit, Agent Purchase Protection, making Membership assets discoverable on AI platforms and embedding AI into internal processes; it also cites AI usage costs.

• Jul 24, 2026

  Q2 call: AI clears the tech backlog; attrition, not cuts[16]

  Squeri on speed gains internally and externally.

• Jul 21, 2026

  Intelligent buyer–supplier payment capabilities[12]

  With Bottomline's Paymode: embedded authentication and fraud controls.

• Jul 14, 2026

  Premier member of the x402 Foundation[33]

  The Linux Foundation body standardising internet-native payments for AI agents launches with Amex among its premier members.

• May 19, 2026

  Decentralised-network LLM patent granted[60]

  US 12,632,648 B2 covers verifying answers from several LLM providers over a decentralised network to cut hallucinated responses; two further LLM security patents were granted on March 17 and April 7, 2026.

• May 12, 2026

  $300 ChatGPT Business credit[7][23]

  A card benefit on Business Platinum and Business Gold.

• May 6, 2026

  AI training and scholarships for small businesses[11]

  New programs for Card Member businesses.

• May 4, 2026

  Amex GBT sold to Long Lake for $6.3 billion[21][22]

  An all-cash take-private billed as an AI travel bet; Amex sells its ~30% stake.

• Apr 28, 2026

  Amex executive on agentic standards at Nacha panel[51]

  SVP Stefan Olofsson names Amex, Stripe, OpenAI, EMVCo and the FIDO Alliance among the groups working on agentic standards and says the ecosystem needs interoperability.

• Apr 24, 2026

  Resy restaurants discoverable in Claude[50]

  Amex and Anthropic let Claude users browse Resy tables in conversation and hand off to Resy to book; the release is undated and coverage ran on April 26 and 27.

• Apr 23, 2026

  Q1 call: 'data is king' in the agentic world[49]

  Squeri reports a 30% benefit for programmers, says the ACE kit requires an agent to declare intent so it can be matched with the purchase, and flags coming announcements with leading AI companies.

• Apr 23, 2026

  Q1 call: 'a new era of commerce'[15][19]

  Agentic and generative AI emphasised; more marketing and technology spend planned.

• Apr 16, 2026

  Agrees to buy Hypercard[6][14]

  Agentic expense management; AI talent for commercial services.

• Apr 14, 2026

  Amex Ventures backs Bluefish[32]

  An agentic marketing platform Amex also uses to understand how it shows up in AI channels.

• Apr 14, 2026

  ACE developer kit and Agent Purchase Protection[5][13]

  Integrate Amex payments in agentic experiences; protection for purchases by registered AI agents.

• Mar 25, 2026

  Letter details internal AI deployment[8]

  AI-assisted development tools reach more than 11,000 engineers (coding cycle time down over 30%); the company plans to pilot conversational AI agents for its legacy voice response systems and is piloting AI to classify fraud claims.

• Mar 25, 2026

  Shareholder letter: AI as accelerant[18][9][10]

  Squeri makes the case for the company's AI efforts after a stock-drop report; Graphite Business Cash card launches with agentic search and checkout.

• Mar 4, 2026

  Traversal partnership and $5 million investment[46][47]

  Amex Ventures invests in the AI site-reliability engineering start-up and Amex deploys its platform across global infrastructure; EVP Matthew Liste says AI-driven operations enable better outcomes.

• Feb 6, 2026

  10-K: open banking and the CFPB data-access rule[25]

  The 10-K says the CFPB's personal financial data rights rule (under reconsideration since August 2025) and other open banking initiatives could limit the advantages of Amex's integrated payments platform, while letting Amex receive data as an authorised third party.

• Feb 6, 2026

  10-K: agentic commerce as a competitive and model risk[25]

  Autonomous AI agents transacting for users could disintermediate customer relationships; AI flaws, bias and hallucinations listed among the risks.

• Jan 30, 2026

  Q4 2025 call: a cloud data platform and GenAI tools for nearly all colleagues[27][26]

  The third-generation data and analytics platform already cuts key marketing and fraud process times by 90%, with all data and analytics processes to migrate by 2027; Dining Companion launched and agent-commerce standards developed with partners.

• Jan 20, 2026

  LLM risk-mitigation patent granted[57]

  US 12,530,174 B2, filed October 2023 by American Express Travel Related Services Company, covers generating risk-mitigation code for applications that call a network LLM service.

• Jan 7, 2026

  Amex Digital Labs profile[41]

  Luke Gebb says the lab brings about 15 to 20 initiatives to market a year; it built the first servicing chatbot and the Dining Companion and works with Google and Cloudflare on agentic transaction standards.

• Sep 16, 2025

  Among 60-plus organisations around Google's AP2[45]

  Google names American Express in the group shaping the Agent Payments Protocol for agentic payments.

• Jul 10, 2025

  Packer: agents need a control plane[43]

  At VB Transform, Packer describes internal agents such as one that reviews software pull requests, and modular 'brains' for brand, privacy, security and legal rules that agents must consult before acting.

• May 14, 2025

  Amex Ventures joins Nekuda's $5 million round[44]

  Nekuda builds credential and authorisation infrastructure so AI agents can make autonomous payments; Madrona led, with Visa Ventures also participating.

• May 9, 2025

  CIO describes the AI governance model[40]

  Ravi Radhakrishnan says Amex has used AI for credit and fraud for over 15 years, built a cross-functional AI council and an enablement layer over multiple models, and brought data governance and the Chief Data Office under technology.

• Apr 2, 2025

  Packer on Amex's enterprise generative AI[42]

  CTO Hilary Packer says a council identified 500 use cases and 70 were in implementation; 9,000 engineers use GitHub Copilot, the IT chatbot (live since October 2023) resolves 40% more queries without escalation, and a travel counselor assistant serves 5,000 counselors in 19 markets.

• Feb 18, 2025

  Amex Ventures on frontier technology[20]

  The venture arm as the 'eyes and ears' on emerging tech for the business.

• Jun 9, 2023

  Plaid data-access agreement[67][68]

  Amex integrates Plaid (and Envestnet | Yodlee) into its Account Financials API so Card Members can connect accounts to thousands of apps without sharing their Amex password; Plaid says the OAuth flow covers credit cards and savings and checking accounts.

• Jan 31, 2023

  Business Blueprint built on the Kabbage platform[69][70][71]

  The small-business cash-flow hub builds on Kabbage (acquired 2020) and analyses Amex business products together with linked external business bank accounts; the Business Line of Credit reviews linked bank-account data in real time to decide applications.

• Feb 25, 2019

  Joins the Financial Data Exchange[65][66]

  Amex is among 16 new members committing to the FDX API and secure data-sharing standard; its Account Financials API is modelled after FDX working-group APIs and uses OAuth 2.0, OpenID Connect and FAPI for customer-authenticated data sharing.

Where does Amex use AI today?

Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.

Which AI vendors and fintechs does Amex work with?

Each vendor and fintech page cites the source for the relationship, and vendor pages list products, pricing and other bank customers. Compare AI tools for banks by category, or read the fintech and neobank AI dossiers.

What has Amex disclosed in numbers?

“We have a large backlog of tech products, with AI we are getting to more things quicker.”[16]

Stephen J. Squeri · Chairman and CEO · Jul 24, 2026

“Our closed-loop network and Membership assets give us a competitive advantage as AI-powered commerce evolves, enabling us to extend the support and seamless experiences Card Members expect from American Express into the agentic era.”[5]

Luke Gebb · EVP and Head of Global Innovation · Apr 14, 2026

“Providing authorized purchase intent before an agent transacts can give issuers greater confidence that an agent is acting as a customer intended, while also helping issuers proactively manage risk and reduce the chance of costly disputes across the payments ecosystem.”[55]

Luke Gebb · EVP and Head of Global Innovation · Oct 13, 2026

“Validation and accuracy are the holy grail right now of generative AI.”[42]

Hilary Packer · EVP and Chief Technology Officer · Apr 2, 2025

“Agentic AI, smaller domain-specific models and the intersection of AI with quantum computing are areas we're watching closely.”[40]

Ravi Radhakrishnan · EVP and Chief Information Officer · May 9, 2025

“In the agentic world, data is king.”[49]

Stephen J. Squeri · Chairman and CEO · Apr 23, 2026

“We are embarking on an era in which AI-powered agents can discover products and services, make decisions, and complete transactions on behalf of consumers and businesses – from booking travel and making dinner reservations to replenishing business inventories, managing expenses, and completing payments autonomously.”[8][15]

Stephen J. Squeri · Chairman and CEO · Mar 25, 2026

“As issuer and acquirer, we can see fraud attacks from different angles and our data feeds directly back into our fraud detection models, which helps us create the best possible outcome.”[35]

Amber Gupta · EVP, Global Decision Science · Aug 25, 2026

“With the x402 Foundation now formally launched, American Express is pleased to continue supporting open, interoperable standards for internet-native payments.”[33]

Luke Gebb · EVP, Global Innovation · Jul 14, 2026

“Nearly 9 out of 10 businesses we surveyed told us their future growth depends on getting a better understanding of employee spending.”[38]

Raymond Joabar · Group President, Global Commercial Services · Sep 30, 2026

“It's less about tech and more about trust. Our card members need to trust the agent and the merchants need to know the transaction will work.”[64]

Anna Marrs · Group President, Global Merchant and Network Services · Oct 1, 2026

Who runs AI at Amex?

What AI roles is Amex hiring for?

Data as of Oct 25, 2026 · 12 AI-titled postings · read from Amex's own careers site, re-checked weekly

12 open AI-related postings on Amex's careers site as of Oct 25, 2026. A snapshot of current openings, not a source: postings close. Compare with other banks on which banks are hiring for AI.

Which regulators govern Amex's AI?

Side by side: SR 11-7 vs SR 26-2 · OCC vs CFPB on AI lending · PRA SS1/23 vs SR 26-2 · MAS AI Risk Management Guidelines vs SR 26-2 · NIST AI RMF vs ISO 42001 · EU AI Act vs Colorado AI Act · all comparisons.

What does the public record suggest about Amex's AI strategy?

Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.

Where does the Amex record go deeper?

5 topic pages under this profile, each answering one question from the same sourced record.

• What is American Express's AI strategy and technology vision?
• What AI patents, partnerships and investments does American Express have?
• How does American Express use AI for fraud detection and credit decisions?
• How is American Express preparing its payments network for AI agents?
• What is American Express's role in the digital payments transformation?
• Has American Express had a publicly reported AI incident?

Which leader rankings does Amex appear in?

13 of the computed leaders rankings include Amex, each ranked from the same sourced bank pages.

How does Amex compare with its peers?

• How does American Express compare with its peers on AI and technology?
• American Express competitors and alternatives, by business line

Its peer group on this site, by business model and size:

• American Express is cutting 5% of its workforce to 'prepare for AI'

  cnbc.com · Oct 23, 2026

• American Express touts AI, plans 5% downsizing

  americanbanker.com · Oct 23, 2026

• Amex to cut roughly 3,500 employees

  bankingdive.com · Oct 23, 2026

• American Express to make job cuts as AI revolution ramps up

  investmentnews.com · Oct 23, 2026

• Amex Plans Job Cuts, Sets AI Rules as Gen Z Spending Jumps 35%

  pymnts.com · Oct 23, 2026

1. Instant Credit Card Number: Instant Approval and Use | Amex US (undated page, retrieved 2026-10-05)
   American Express · Oct 5, 2026
2. Tokenization Service (undated page, retrieved 2026-10-05)
   American Express Global Network · Oct 5, 2026
3. Click to Pay with American Express (undated page, retrieved 2026-10-05)
   American Express Global Network · Oct 5, 2026
4. Money Sending & Bill Splitting App: Send & Split | Amex US (undated page, retrieved 2026-10-05)
   American Express · Oct 5, 2026
5. American Express Debuts Agentic Commerce Experiences (ACE)™ Developer Kit and Announces Industry-First Protection for Registered Agent Purchases
   American Express · Apr 14, 2026
6. American Express to Acquire Hyper, Adding to Its AI Expertise and Expense Management Capabilities
   American Express via FT Markets · Apr 16, 2026
7. How to Get More Done with ChatGPT Business
   American Express · May 12, 2026
8. 2026 Chairman’s Letter to Shareholders
   American Express · Mar 25, 2026
9. Stephen J. Squeri Highlights the Company's 2025 Performance and Position of Strength in an AI-Powered World in Letter to Shareholders
   American Express via FT Markets · Mar 25, 2026
10. American Express Launches New Graphite Business Cash Unlimited Card
    American Express via FT Markets · Mar 25, 2026
11. American Express Launches New AI Training and Scholarship Programs for Small Businesses
    American Express via FT Markets · May 6, 2026
12. American Express Launches Intelligent Capabilities to Help Streamline Buyer and Supplier Payments
    Business Wire via FT Markets · Jul 21, 2026
13. Amex tries to 'grease the skids' for agentic commerce
    American Banker · Apr 14, 2026
14. Ahead of earnings, Amex adds more tools to feed its AI plans
    American Banker · Apr 16, 2026
15. Amex says Iran war has an impact, but not a big one
    American Banker · Apr 23, 2026
16. Amex reports earnings in line with analyst expectations
    American Banker · Jul 24, 2026
17. Amex GBT adds agentic commerce to corporate travel
    American Banker · Aug 7, 2026
18. Amex Makes Case for Its AI Efforts in Wake of Stock-Drop Turmoil
    Bloomberg · Mar 25, 2026
19. Amex Warns of Higher Costs, Says Airline Spending Is Weakening
    Bloomberg · Apr 23, 2026
20. Amex Ventures' Margaret Lim on being the 'eyes and ears of the business'
    Bloomberg · Feb 18, 2025
21. Long Lake to buy Amex GBT for $6.3 billion in AI travel bet
    Reuters · May 4, 2026
22. American Express Global Business Travel Enters $6.3 Billion Take-Private Deal
    The Wall Street Journal · May 4, 2026
23. Amex adds first-of-its-kind AI benefit: $300 ChatGPT credit for Business Platinum and Business Gold Cards
    CNBC · May 12, 2026
24. How much $1,000 invested in American Express 5 years ago would be worth today
    CNBC · Jan 30, 2026
25. American Express Company Annual Report on Form 10-K for 2025
    American Express (SEC filings) · Feb 6, 2026
26. American Express Fourth-Quarter 2025 Earnings Release (Form 8-K, Exhibit 99.1)
    American Express (SEC filings) · Jan 30, 2026
27. American Express (AXP) Q4 2025 Earnings Call Transcript
    Motley Fool (Yahoo Finance) · Jan 30, 2026
28. American Express Company Q1 2026 Earnings Call Summary
    Yahoo Finance · Apr 23, 2026
29. American Express Company Q2 2026 Earnings Call Summary
    Yahoo Finance · Jul 25, 2026
30. Executive Committee and Directors
    American Express · Sep 24, 2026
31. Chris Gifford, speaker profile, Digital Banking 2026
    American Banker · Mar 31, 2026
32. Bluefish Raises $43 Million Series B to Power Agentic Marketing for the Fortune 500
    Bluefish (PR Newswire) · Apr 14, 2026
33. Linux Foundation Announces Operational Launch of x402 Foundation to Standardize Internet-Native Payments for AI Agents and Applications
    Linux Foundation (PR Newswire) · Jul 14, 2026
34. Amex Ventures Backs Fazeshift To Enable AI-Driven Finance Automation
    Crowdfund Insider · Aug 12, 2026
35. Amex's low fraud rate turns on its closed system
    Payments Dive · Aug 25, 2026
36. Amex launches accounts, plans AI tools for small businesses
    American Banker · Sep 15, 2026
37. How American Express Will Drive Innovation Through An AI Mindset
    Forbes · Aug 24, 2026
38. American Express Delivers the Next Generation of Amex Corporate
    American Express (Business Wire via Yahoo Finance) · Sep 30, 2026
39. American Express launches corporate card with expense software
    Investing.com · Sep 30, 2026
40. Ravi Radhakrishnan On Driving AI Innovation At American Express
    Forbes · May 9, 2025
41. Amex Digital Labs Is Scaling Innovation From Experiment To Enterprise
    Forbes · Jan 7, 2026
42. How Amex uses AI to increase efficiency: 40% fewer IT escalations, 85% travel assistance boost
    VentureBeat · Apr 2, 2025
43. Skip the AI 'bake-off' and build autonomous agents: Lessons from Intuit and Amex
    VentureBeat · Jul 10, 2025
44. Nekuda Raises $5M Led by Madrona, Together with Amex Ventures and Visa Ventures, to Power Agentic Payments
    Nekuda (Business Wire) · May 14, 2025
45. Announcing Agent Payments Protocol (AP2)
    Google Cloud · Sep 16, 2025
46. Traversal Announces Strategic Investment from Amex Ventures
    Traversal (Business Wire) · Mar 4, 2026
47. Exclusive: American Express partners with and invests in AI operations startup Traversal
    SiliconANGLE · Mar 4, 2026
48. How Amex exploits new AI tools
    Payments Dive · Mar 30, 2026
49. American Express (AXP) Q1 2026 earnings call transcript (The Motley Fool)
    The Motley Fool · Apr 23, 2026
50. American Express Partners with Anthropic to Make U.S. Resy Restaurants Discoverable in Claude (release undated; coverage April 26 to 27, 2026)
    American Express · Apr 24, 2026
51. Amex pushes for agentic standards
    Payments Dive · Apr 29, 2026
52. American Express Company Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    American Express (SEC filings) · Jul 24, 2026
53. Earnings call transcript: American Express beats Q2 2026 EPS, shares fall
    Investing.com · Jul 24, 2026
54. Amex advises businesses on AI
    Payments Dive · Oct 8, 2026
55. American Express Publishes Intent Intelligence Framework for Trusted Agentic Commerce
    American Express via FT Markets · Oct 13, 2026
56. Amex introduces a framework to prevent AI agents from making unauthorized purchases
    TechCrunch · Oct 13, 2026
57. Large language model (LLM) risk mitigation (US 12,530,174 B2)
    Google Patents (USPTO) · Jan 20, 2026
58. Large language model (LLM) supply chain security (US 12,579,256 B2)
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    Google Patents (USPTO) · Jul 2, 2026
64. The Most Powerful Women in Finance, #13, Anna Marrs, American Express
    American Banker · Oct 1, 2026
65. Financial Data Exchange Adds 16 Members
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66. Open Banking APIs (undated page, retrieved 2026-10-16)
    American Express Developers · Oct 16, 2026
67. AmEx inks data sharing deals with Plaid and Yodlee
    Finextra · Jun 9, 2023
68. Financial Access Newsletter - July, 2023
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69. American Express debuts cash flow management hub
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70. The benefits of linking an external business bank account to American Express Business Blueprint (undated page, retrieved 2026-10-16)
    American Express · Oct 16, 2026
71. American Express Business Line of Credit (undated page, retrieved 2026-10-16)
    American Express · Oct 16, 2026