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References

References

American Express. (2024) Form 10-K: Annual report for the fiscal year ended December 31, 2024. Retrieved from https://ir.americanexpress.com/investor-relations/default.aspx

American Express. (2024). Q4 2024 Earnings Financial Tables Retrieved from https://ir.americanexpress.com/investor-relations/default.aspx

American Express. (2024). Q4 2024 Earnings Presentation Retrieved from https://ir.americanexpress.com/investor-relations/default.aspx

American Express. (2024).Q4 2024 Earnings Press Release Retrieved from https://ir.americanexpress.com/investor-relations/default.aspx

American Express Key Stats. Moomoo. (n.d.). https://www.moomoo.com/stock/AXP-US/financial/main-composition?from=futunn&lang=en-us 

AMEX revenue beats expectations on strong holiday spending | Reuters. (n.d.). https://www.reuters.com/business/finance/amex-profit-jumps-resilient-credit-card-spending-2025-01-24/ 

A, J. (2025, January 22). US credit card market share: Facts and statistics for 2025. Fortunly. https://fortunly.com/articles/credit-card-market-share/ 

Caporal, J. (2025, February 14). Credit and debit card market share by network and issuer. The Motley Fool. https://www.fool.com/money/research/credit-debit-card-market-share-network-issuer/ 

DDG. (2025, January 24). American Express plans to refresh up to 50 credit cards in 2025. Danny the Deal Guru. https://dannydealguru.com/american-express-plans-to-refresh-up-to-50-credit-cards/

Doyle, M. (2024, November 7). “level up” your understanding of Amex Card Levels. American Express Credit Cards, Rewards & Banking. https://www.americanexpress.com/en-us/credit-cards/credit-intel/american-express-card-levels/ 

Houlis, A. (2025, March 19). Is American Express accepted everywhere?. Forbes. https://www.forbes.com/advisor/credit-cards/is-american-express-accepted-everywhere/ 

Keenan, M. (2024, September 10). Global Ecommerce Statistics: Trends to guide your store in 2025. Shopify. https://www.shopify.com/enterprise/blog/global-ecommerce-statistics 

SCOTTO DI PERTA, L. (2025, January 27). American Express earnings show its card members keep spending. Swissquote. https://www.swissquote.com/en-row/newsroom/morning-news/2025-01-27 

Steves, R. (2024, February 27). Pay with plastic or cash?. Rick Steves. https://www.ricksteves.com/travel-tips/money/pay-credit-cards-vs-cash 

WSJ. (2025, January 25). US markets: US Stock Market Data – Dow Jones, NASDAQ, S&P 500, US market news – moneycontrol. English. https://www.moneycontrol.com/us-markets/ 

AI Prompt:

“Explain the difference between American Express’s premium positioning and competitors like Visa or Mastercard.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“What are the main threats facing credit card companies in 2025?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“How has American Express adapted its media strategy for Gen Z audiences?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Give me examples of past American Express campaigns that focus on lifestyle branding.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“How would you summarize American Express’s current position in the financial services industry?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“What are some current trends in financial marketing campaigns?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“How can financial brands build emotional connection with younger audiences?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Help me understand the opportunities American Express has in emerging markets.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“What media channels are most effective for financial brands targeting 25-35 year olds?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“What KPIs should a creative campaign for a financial brand track?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“What are the strengths of American Express from a consumer trust perspective?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Suggest a positioning statement for Amex if the brand wants to target Gen Z professionals.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Can you review this SWOT analysis and suggest if any section is too vague or needs support?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“I wrote a creative brief for American Express—can you suggest improvements for clarity and focus?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“I wrote a thought leadership paragraph—can you help revise first paragraph and improve transitions?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Can you help rephrase this introduction to sound more professional and concise?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Is this conclusion strong enough, or does it feel repetitive?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Please point out if I repeated myself too much in this paragraph.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Which parts of my SWOT sound too generic? Help me rewrite them to be more specific to Amex.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Make my language sound more persuasive for a leadership opinion piece.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Review this segment and suggest where I could use more evidence or data.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Help adjust the tone to sound more aligned with American Express’s brand voice.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“How can I revise this paragraph to be more concise while keeping the main point?” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Help improve flow between sections in my media analysis draft.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

“Help me short my tagline.” ChatGPT, 25 Mar. version, OpenAI, 26 Mar. 2025, https://chat.openai.com/chat.

Image References:

Canva. (2023). Image used for the Infographic. Retrieved from https://www.canva.com