American Express: Scaling AI with Trust, Governance, and Continuous Modernization

“Technology at American Express provides the foundation for everything we do at the company,” shares Ravi Radhakrishnan, EVP & CIO of American Express, as he outlines the company’s AI strategy, continuous modernization philosophy, and data-driven customer focus. In this episode, Ravi offers an inside look at how American Express is evolving its technology foundation to power trust, security, and world-class service. From AI governance to the Intuitive Servicing Portal, he breaks down key strategies shaping the company’s digital future. Key highlights: Continuous modernization through foundational technology reuse AI governance via a Generative AI Council and risk frameworks Data as a strategic asset for fraud detection and customer personalization Curating a diverse AI ecosystem with flexible enablement layers Future trends in AI, including agentic AI and quantum intersections