TLDR Tech / Fintech
American Express is building a small-business banking stack
American Express is expanding beyond cards with a new high-yield Business Savings account, grouping it with Business Checking under a broader “Business Banking” offering. Amex also plans to add Gusto-powered payroll, AI-driven payroll insights, and direct redemption of card rewards into checking, pushing toward a more complete operating account for small businesses rather than just a payments relationship.
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