American Express is an American financial services company headquartered in New York City, New York. The company employs more than 76,800 people globally and reported fourth-quarter 2025 revenue of $18.98 billion, with fiscal 2026 revenue growth guidance of 9-10 percent.
American Express began applying machine learning to fraud detection in 2010, making it one of the earliest adopters of AI among financial services companies. Today, the company has provided access to leading AI tools to nearly all of its 76,800 colleagues globally and has scaled AI-assisted development tools to more than 11,000 engineering professionals, reducing coding cycle times by over 30 percent.
Its machine-learning-powered fraud detection model monitors more than $1.2 trillion in transaction value every year, generating a fraud decision in milliseconds for every card transaction worldwide. The company is currently exploring more than 70 generative AI use cases across the organization and, through Amex Ventures, is investing in generative AI startups focused on trust and safety, enterprise efficiency, and data-driven experiences.
For financial institutions operating at a global transaction scale, AI systems are increasingly influencing how fraud risk, transaction approvals, and customer retention workflows are managed operationally. In the case of American Express, many of these systems are embedded directly into high-volume decision-making processes rather than positioned as standalone AI initiatives.
