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- 1American Express bets on in-house AI over agentic tools▼With payment companies embracing frontier model makers' agentic artificial intelligence to enhance pitches to business c
Payment companies are increasingly adopting agentic artificial intelligence from frontier model makers to sharpen their pitches to business clients. American Express, however, is taking a different path, relying on internal development to build its AI capabilities and compete. The report highlights a strategic split in the payments industry between buying outside AI and building it in-house.