And when you have a company like ours, in so many different areas, whether it's the many countries we're in, the merchant business, the network business, the consumer business, corporate card small business, there is just a huge appetite for technology.

Apr 23, 2026 / receipt, needs a key / Steve Squeri, CEO | earnings call 2026-04-23 | transcript 8743e7fe-df7a-4aaa-be04-7d71788d73d6 | chars 20989-21242 | segment 21

Additionally to the software, and you may have seen we just acquired a company called HyperCard, we brought in a group of people who we've been working with for a number of years who are really in the expense management space and who have a lot of expertise in expense management agents, and we'll be integrating those into Center.

Apr 23, 2026 / receipt, needs a key / Steve, CEO | earnings call 2026-04-23 | transcript 8743e7fe-df7a-4aaa-be04-7d71788d73d6 | chars 26485-26816 | segment 27

Spend growth was about one percentage point higher than Q4, driven by T&E spending up 9% effects adjusted, while goods and services growth remained stable, up 8% effects adjusted.

Apr 23, 2026 / receipt, needs a key / Steve Squeri, CEO | earnings call 2026-04-23 | transcript 8743e7fe-df7a-4aaa-be04-7d71788d73d6 | chars 9830-10009 | segment 10

And they engage customers. in everything they want to engage in the existing customers have a little bit of inertia but then all of a sudden they start to engage in one of the things that that really made a huge difference for us was the platinum travel app the platinum app it made it so easy to enroll in all the benefits and you know we didn't i don't think christoph mentioned this but we we certainly have it in we had an uptick of 30 in our travel bookings in the fourth quarter that is a direct result of that platinum launch and the engagement of our cardholders.

Jan 30, 2026 / receipt, needs a key / Steve, CEO | earnings call 2026-01-30 | transcript 199561e5-4dc0-4735-a2ae-c81bc05e8a7c | chars 30796-31367 | segment 31

We'll also continue expanding our digital capabilities for consumers and businesses, including the upcoming integration of Center's expense management solution for commercial customers. And we'll focus on continuing to grow merchant coverage outside the U.S. to give card members more places to use their Amex cards.

Oct 17, 2025 / receipt, needs a key / Steve Squeri, CEO | earnings call 2025-10-17 | transcript f75bb130-199d-47b4-b5b1-9ddb501da912 | chars 8004-8320 | segment 7

The step up in growth was driven by strong retail spending up 12% as well as a rebound in T&E. Airlines spending picked up this quarter. In restaurants, our largest T&E category continued to be very strong, up 9%. Premium T&E bookings saw good momentum, with spending on front-of-cabin airline tickets up 14%.

Oct 17, 2025 / receipt, needs a key / Steve Squeri, CEO | earnings call 2025-10-17 | transcript f75bb130-199d-47b4-b5b1-9ddb501da912 | chars 9257-9566 | segment 9

We've seen strength, as we said, in travel and entertainment. Airline went from being flat last quarter to being at 5% this quarter.

Oct 17, 2025 / receipt, needs a key / Steve, other | earnings call 2025-10-17 | transcript f75bb130-199d-47b4-b5b1-9ddb501da912 | chars 23228-23360 | segment 23

We'll exercise disciplined expense management using the various levers in our business model to maintain financial flexibility. And we'll continue to invest strategically for the long term in areas that strengthen our foundational capabilities, such as technology, control management, and customer acquisition, as well as capitalizing on opportunities that emerge for expanding our membership model with new and enhanced products, services, and experiences.

Apr 17, 2025 / receipt, needs a key / Steve Squeary, CEO | earnings call 2025-04-17 | transcript a101aafb-54c5-4c39-9841-5eb37227ee5c | chars 5622-6079 | segment 5

Yeah, I think, look, what we've been on a journey here is to build more capabilities up for our SME customers. And if you look at it, one of the things that we've said is we wanted to increase our relevance with our SME customers and Cabbage has become the platform where we want our SMEs to live. Within that platform, obviously, you have the ability to look at your card information, to do cash flow analysis, to have a checking account. to apply for loans. When you look at 1AP and Npendo, that's really all about automating the B2B piece of it. And then I think one of the things that was missing for us, and we were doing this through partnerships, but it became apparent it needed to be more core to our more core to us overall is the expense management piece. Um, you know, we already have the travel piece with, with our travel service. And so what we're doing is we're constantly building out, um, you know, the offerings that we have for our, for our small, for our small businesses, you know, how that affects organic spend, um, you know, we'll have to see. But I think what it does, it'll certainly help from a retention perspective and an acquisition perspective as well. I think from an organic perspective, the more we can utilize 1AP and Impendo, the more we can get B2B, more B2B payments in there through that channel. But, you know, we're on a journey. And now it all needs to continue to be knitted together. Obviously, Center is not integrated into the Cabbage solution, but that

Apr 17, 2025 / receipt, needs a key / Steve, CEO | earnings call 2025-04-17 | transcript a101aafb-54c5-4c39-9841-5eb37227ee5c | chars 36332-37832 | segment 36

In T&E, while we saw a sequential slowdown in airline billings growth, billings in restaurants and lodging remained strong in the quarter, and overall T&E growth was in line with the steady levels we saw through most of last year.

Apr 17, 2025 / receipt, needs a key / Steve Squeary, CEO | earnings call 2025-04-17 | transcript a101aafb-54c5-4c39-9841-5eb37227ee5c | chars 2607-2837 | segment 2

While it's still very early in the second quarter, Through the first week and a half in April, overall spending levels have remained consistent with what we saw in the first quarter in both goods and services and T&E and across all customer segments.

Apr 17, 2025 / receipt, needs a key / Steve Squeary, CEO | earnings call 2025-04-17 | transcript a101aafb-54c5-4c39-9841-5eb37227ee5c | chars 3189-3439 | segment 3

And T&E grew in line with the steady levels we saw for most of last year, reflecting continued strength in restaurant and lodging spending. We did see a deceleration in airline spending relative to 2024 trends. Although spending on front of cabin tickets remained strong, up around 11% in the quarter.

Apr 17, 2025 / receipt, needs a key / Christophe Lecayac, CFO | earnings call 2025-04-17 | transcript a101aafb-54c5-4c39-9841-5eb37227ee5c | chars 7669-7970 | segment 7