American Express has revolutionized its credit checks with machine learning

#artificialintelligence 

American Express (Amex) is a globally integrated payments company, providing customers with access to products, insights and experiences that enrich lives and build business success. And inside the company, the Amex Credit Fraud Risk business unit's mission is all about minimising credit and fraud losses while promoting business growth and delivering superior customer service. Nothing about this will surprise you so far, we're presuming. What may: while the financial services industry uses digital for just about every process imaginable, there's one surprising remaining exception-the commercial card underwriting process, which to you and me is'Are you going to lend my small business any money?' In a lot of Europe, this process is still completely manual and takes an underwriter a good chunk of time to complete.

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