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class="ArticlePage-authors"> <span class="ArticlePage-authorBy">By</span> <span class="ArticlePage-authorName" id="AuthorSocials"> <a href="https://www.americanbanker.com/author/larry-cao-cfa" aria-label="Larry Cao, CFA" data-dropdown-trigger>Larry Cao, CFA</a><span class="ArticlePage-authorAttribution">, AI adoption in banking and financial services, investment research and fintech</span> <div class="ActionBar-dropdown"> <div class="ActionBar-dropdown-header"> <button class="ActionBar-dropdown-close" data-dropdown-close> <svg> <use xlink:href="#close-x"></use> </svg> <span class="sr-only">CloseText</span> </button> </div> <div class="ArticlePage-authorSocialLinks"> <div class="SocialBarArticle"> <table> <tbody> <tr class="SocialBarArticle-items"> <td> <div> <div class="SocialBarArticle-items-item" data-social-service=""> <a class="SocialLink" rel="noreferrer" href="https://www.americanbanker.com/author/larry-cao-cfa" target="_blank" data-social-service="author"> <svg> <use 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125developments%20around%20consumer-facing%20apps%20like%20Muse%20about%20the%20future%20norms%20they%20will%20inevitably%20have%20to%20navigate.%20%0A&source=American%20Banker" target="_blank" data-social-service="linkedin"> <svg><use xlink:href="#mono-icon-linkedin"></use></svg><span>LinkedIn</span> </a></li> <li class="ActionBar-items-item"><a class="ActionLink" href="mailto:?body=Musings%20about%20Muse%2C%20Meta%27s%20red-hot%20new%20AI%20agent%0A%0Ahttps%3A%2F%2Fwww.americanbanker.com%2Fnews%2Fmusings-about-muse-metas-red-hot-new-ai-agent%0A%0AWhat%20can%20banks%20learn%20from%20developments%20around%20consumer-facing%20apps%20like%20Muse%20about%20the%20future%20norms%20they%20will%20inevitably%20have%20to%20navigate.%20%0A" data-social-service="mailto"> <svg><use xlink:href="#mono-icon-email"/></svg><span>Email</span> </a></li> </ul> </ps-actionbar> </div> <div class="ArticlePage-lead"><figure class="Figure"> <picture><source type="image/webp" width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/c2244e7/2147483647/strip/true/crop/5871x3914+0+0/resize/586x390!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/8179340/2147483647/strip/true/crop/5871x3914+0+0/resize/768x512!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/d4158fe/2147483647/strip/true/crop/5871x3914+0+0/resize/1024x682!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg 1024w"/><source width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/1a8d9bf/2147483647/strip/true/crop/5871x3914+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg"/><img class="Image" data-image-size="articleImage" alt="Mark Zuckerberg, Meta's CEO, demonstrating the company's Muse Ai agent onstage" srcset="https://arizent.brightspotcdn.com/dims4/default/1813c0d/2147483647/strip/true/crop/5871x3914+0+0/resize/586x390!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/cef7769/2147483647/strip/true/crop/5871x3914+0+0/resize/768x512!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/5b552c0/2147483647/strip/true/crop/5871x3914+0+0/resize/1024x682!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg 1024w" width="740" height="493" src="https://arizent.brightspotcdn.com/dims4/default/1a8d9bf/2147483647/strip/true/crop/5871x3914+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F18%2Fac%2F4dced77141aab10b394e3123a002%2F468880391.jpg"></picture> <div class="Figure-content"> <figcaption class="Figure-caption">Mark Zuckerberg, chief executive officer of Meta Platforms, demonstrates Muse, Meta's AI agent, during the company's Meta Connect event.</figcaption><div class="Figure-credit">Minh Connors/Bloomberg</div> </div> </figure></div> <div class="ArticlePage-articleContainer"> <div class="ArticlePage-articleBody"> <div class="RichTextArticleBody"><div class="RichTextArticleBody-body RichTextBody"><p>Meta's new AI agent, Muse, took just 10 days to reach <ps-link><a href="https://www.americanbanker.com/payments/news/paypal-partners-with-metas-muse-ai-assistant" class="Link" target="_blank"><u>No. 1</u></a></ps-link> on the U.S. free iPhone app chart. Its promise is easy to appreciate: An assistant that can shop and make phone calls on our behalf could relieve us of some everyday chores. </p><div class="inline-gate">Processing Content</div><p>For those of us following AI adoption in financial services, however, developments surrounding Muse's launch are more instructive than the consumer hype might suggest. For banks, consumer-facing apps like Muse serve as a crucial test for the operational and security norms they will inevitably have to navigate.</p><div id="googleAd640d3463-0f91-406f-b492-a12576fa118b" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[970, 91], [970, 90], [970, 250], [728, 90], [320, 50], [300, 250]]" data-slot-adsizemap="[[[768, 0], [728, 90], [970, 250], [970, 90], [970, 91]], [[320, 0], [300, 250], [320, 50]]]" data-injected-for-mobile="true" data-position="collapsed_header1" data-paragraph-offset="2" data-for-type="Article" data-all-paragraph-count="11"> <span class="GoogleDfpAd-placeholder"></span> </div><h2 class="cms-heading-h2 HeadingH2">AI + HI still applies</h2><p>Meta was testing a "human concierge" feature internally, with contractors handling some phone calls placed through Muse, according to <ps-link><a href="https://www.reuters.com/business/meta-testing-human-concierge-its-new-pers
125onal-ai-agent-muse-2026-09-22/" class="Link" target="_blank"><u>Reuters</u></a></ps-link>, which reported that internal posts showed pure AI calling struggled with low completion rates because merchants rejected the synthetic voice and automated phone trees. Routing difficult calls to trained human contractors pushed success metrics as high as 95% to 98%. </p><p>Meta ultimately shut down its previous version of virtual assistant, M, in 2018 as it often relied on human help, sometimes for as much as <ps-link><a href="https://www.bbc.com/news/technology-42633922" class="Link" target="_blank"><u>70% of the work</u></a></ps-link>. Meta's renewed attempt on the human concierge approach demonstrates that this fundamental dependency has evolved rather than disappeared. </p><div id="googleAdd7964e77-8b11-4692-86b6-470569ac72a1" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[550, 309]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [550, 309]], [[320, 0], [550, 309]]]" data-injected-for-mobile="false" data-position="video-in-article" data-paragraph-offset="4" data-for-type="Article" data-for-internal-name="Video Inline Articles" data-all-paragraph-count="11"> <span class="GoogleDfpAd-placeholder"></span> </div><p>I first proposed the <ps-link><a href="https://rpc.cfainstitute.org/blogs/enterprising-investor/2023/chatgpt-and-the-future-of-investment-management" class="Link" target="_blank"><u>AI + HI</u></a></ps-link> (human intelligence) approach as best practice for AI adoption in finance also around the same time. Back then I suggested that AI in finance will continue to be "assisted driving" rather than "self-driving" for many years to come. Looks like despite all the technical progress since then, this largely remains true. The key is understanding where the frontier between human- and AI-led tasks is shifting and what underlying drivers are moving it.</p><h2 class="cms-heading-h2 HeadingH2">Is full agent authority worth the risk?</h2><p><ps-link><a href="https://www.bloomberg.com/news/articles/2026-09-21/amazon-blocks-meta-s-muse-ai-agent-from-its-retail-site" class="Link" target="_blank"><u>Amazon's response</u></a></ps-link> to Muse brings another issue into focus. The retailer has blocked the agent, citing unauthorized access and concerns about identification and customer credentials. There is obviously a war over customer loyalty going on here between the two tech giants but these are also legitimate concerns. They are <ps-link><a href="https://www.americanbanker.com/news/before-giving-ai-agents-power-bankers-should-ask-questions" class="Link" target="_blank"><u>questions</u></a></ps-link> Amazon should be asking.</p><div class="Enhancement" data-type="polar"> <div class="Enhancement-item"><div id="googleAd3f4d937a-464e-4af8-aba7-9fc3df73f1a7" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[1, 1]]" data-slot-adSizeMap="[[[320, 0], [1, 1]]]" data-position="native-in-article1"> <span class="GoogleDfpAd-placeholder"></span> </div></div> </div><p>Platform-level blocks are precisely the type of operational friction and third-party risk that regulators are warning about. In its August letter to the G20, the Financial Stability Board warned that frontier AI could materially change the speed, scale and economics of <ps-link><a href="https://www.fsb.org/2026/08/fsb-chairs-letter-to-g20-finance-ministers-and-central-bank-governors-august-2026/" class="Link" target="_blank"><u>cyber risk</u></a></ps-link>
125. In September, Fernando Restoy, chair of BIS' Financial Stability Institute, highlighted <ps-link><a href="https://www.bis.org/speeches/20260918-supervising-banks-ai-shaped-economy" class="Link" target="_blank"><u>operational risks</u></a></ps-link> from AI-enabled attacks and disruptions at AI providers. </p><div id="googleAd0b71ba9b-1f54-4a1d-acf2-5cebe5f4f2a1" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-1" data-paragraph-offset="7" data-for-type="Article" data-for-internal-name="Asset Banner 1 " data-all-paragraph-count="11"> <span class="GoogleDfpAd-placeholder"></span> </div><p>These warnings extend beyond any individual product. For banks adopting agentic AI, they reinforce the need to assess how the entire workflow will function under stress, including when an external service fails or an agent encounters circumstances its designers did not anticipate. </p><h2 class="cms-heading-h2 HeadingH2">Another subscription to save on subscriptions?</h2><p>One of Meta's pitches for Muse is that it can help consumers save money. Alexandr Wang, Meta's chief AI officer, has promoted a "<ps-link><a href="https://x.com/alexandr_wang/status/2098955288204415317" class="Link" target="_blank"><u>Muse Money Challenge</u></a></ps-link>." Examples include canceling unused subscriptions and negotiating lower bills.</p><p>There is, of course, some irony in paying for another subscription to reduce subscription expenses. Yes, Muse does have a free basic version but heavier users can pay $20 or $100 a month. As I argued in my recent writing on AI ROI, the starting point is the <ps-link><a href="https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us" class="Link" target="_blank"><u>baseline</u></a></ps-link> before AI is introduced into the equation: Do the reduced expenses cover the added cost? Users' calculation here would be the same.</p><p>I am not sold on Muse, but that could just be me: I was and still am not sold on grocery shopping services like WebVan. Personal skepticism aside, Muse provides a timely test for AI adoption. Balancing operational risks, human oversight and ROI consideration will determine how much financial services can realize agents' full promise.<br></p><div id="googleAd88bdf415-a5ca-4412-8c52-f46d936ea0e4" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-2" data-paragraph-offset="11" data-for-type="Article" data-for-internal-name="Asset Banner 2" data-all-paragraph-count="11"> <span class="GoogleDfpAd-placeholder"></span> </div><miso-explore-data data-for-internal-name="Related Questions for Articles"></miso-explore-data></div></div> </div> </div> <div class="ArticlePage-byline-bottom"> <div class="ArticlePage-byline-bottom-authors"> <div class="ArticlePage-byline-bottom-authorInfo"> <div class="ArticlePage-byline-bottom-authorInfo-image"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/8e60f74/2147483647/strip/true/crop/1080x1080+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fc9%2F72%2F81b233044bef98c6f2d4eb724fd7%2Flarry-cao.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/b48d144/2147483647/strip/true/crop/1080x1080+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fc9%2F72%2F81b233044bef98c6f2d4eb724fd7%2Flarry-cao.jpg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/8ff5f13/2147483647/strip/true/crop/1080x1080+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fc9%2F72%2F81b233044bef98c6f2d4eb724fd7%2Flarry-cao.jpg"/><img class="Image" data-image-size="headshotSmall" alt="Larry Cao" srcset="https://arizent.brightspotcdn.com/dims4/default/8ff5f13/2147483647/strip/true/crop/1080x1080+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fc9%2F72%2F81b233044bef98c6f2d4eb724fd7%2Flarry-cao.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/e8c14ed/2147483647/strip/true/crop/1080x1080+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fc9%2F72%2F81b233044bef98c6f2d4eb724fd7%2Flarry-cao.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/8ff5f13/2147483647/strip/true/crop/1080x1080+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fc9%2F72%2F81b233044bef98c6f2d4eb724fd7%2Flarry-cao.jpg"></picture> </div>
125 <div class="ArticlePage-byline-bottom-authorInfo-details"> <div class="ArticlePage-byline-bottom-authorInfo-bio-name"> <a href="https://www.americanbanker.com/author/larry-cao-cfa" aria-label="">Larry Cao, CFA</a> </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-content"> <div class="ArticlePage-byline-bottom-authorInfo-title"> Senior Market Intelligence Analyst, AI </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-text"> Larry Cao, CFA, is Senior Market Intelligence Analyst, AI, at American Banker, where he focuses on the adoptions of artificial intelligence across... <a href="https://www.americanbanker.com/author/larry-cao-cfa">Read full bio</a> </div> <div class="ArticlePage-byline-bottom-authorInfo-social"> <div class="SocialBarArticleFooter"> <ul class="SocialBarArticleFooter-items"> <li class="SocialBarArticleFooter-items-item" data-social-service="author"> <a class="SocialLink" rel="noreferrer" href="https://www.americanbanker.com/author/larry-cao-cfa" 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srcset="https://arizent.brightspotcdn.com/dims4/default/3bed223/2147483647/strip/true/crop/1020x574+0+0/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F97%2F13%2Fa5692cc641f6ab5dc296ca3bfd51%2Fnmn093026-ginniemsr-16x9.png 320w,https://arizent.brightspotcdn.com/dims4/default/11e0525/2147483647/strip/true/crop/1020x574+0+0/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F97%2F13%2Fa5692cc641f6ab5dc296ca3bfd51%2Fnmn093026-ginniemsr-16x9.png 568w,https://arizent.brightspotcdn.com/dims4/default/7c71694/2147483647/strip/true/crop/1020x574+0+0/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F97%2F13%2Fa5692cc641f6ab5dc296ca3bfd51%2Fnmn093026-ginniemsr-16x9.png 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src="https://arizent.brightspotcdn.com/dims4/default/a02b1d2/2147483647/strip/true/crop/1020x574+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F97%2F13%2Fa5692cc641f6ab5dc296ca3bfd51%2Fnmn093026-ginniemsr-16x9.png"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/regulation-and-compliance" class="Link">Regulation and compliance</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/sec-rule-would-let-investors-take-exam-to-qualify-as-accredited" target=""> SEC rule would let investors take exam to qualify as accredited </a> </div> <div class="PromoMediumImageRight-description"><p>In addition to proposing broader access to private market investments for those who pass a test and for CFPs and other credential holders, the SEC also proposed expanding advisors' ability to charge performance-based fees.</p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/f2e8783/2147483647/strip/true/crop/800x800+0+0/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8d%2Fb6%2F068a81954cbc9997435d4d90c623%2F1708192878072.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/b635fc3/2147483647/strip/true/crop/800x800+0+0/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8d%2Fb6%2F068a81954cbc9997435d4d90c623%2F1708192878072.jpg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/1caa098/2147483647/strip/true/crop/800x800+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8d%2Fb6%2F068a81954cbc9997435d4d90c623%2F1708192878072.jpg"/><img class="Image" data-image-size="headshotSmall" alt="Dan Shaw" srcset="https://arizent.brightspotcdn.com/dims4/default/1caa098/2147483647/strip/true/crop/800x800+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8d%2Fb6%2F068a81954cbc9997435d4d90c623%2F1708192878072.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/de960dc/2147483647/strip/true/crop/800x800+0+0/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8d%2Fb6%2F068a81954cbc9997435d4d90c623%2F1708192878072.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/1caa098/2147483647/strip/true/crop/800x800+0+0/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F8d%2Fb6%2F068a81954cbc9997435d4d90c623%2F1708192878072.jpg"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/dan-shaw">Dan Shaw</a> <div class="PromoMediumImageRight-authorTitle"> Reporter </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">9h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div 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data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/7d4a488/2147483647/strip/true/crop/3105x1747+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa7%2F05%2F1407481c46819de3432ead2611f0%2F455388673.jpg"/><img class="Image" data-image-size="promoMedium" alt="Key Speakers At The Bitcoin 2026 Conference" srcset="https://arizent.brightspotcdn.com/dims4/default/03bf81c/2147483647/strip/true/crop/3105x1747+0+0/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa7%2F05%2F1407481c46819de3432ead2611f0%2F455388673.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/8d037ab/2147483647/strip/true/crop/3105x1747+0+0/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa7%2F05%2F1407481c46819de3432ead2611f0%2F455388673.jpg 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1240w,https://arizent.brightspotcdn.com/dims4/default/c3a5748/2147483647/strip/true/crop/3105x1747+0+0/resize/1440x810!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa7%2F05%2F1407481c46819de3432ead2611f0%2F455388673.jpg 1440w" width="1280" height="720" loading="lazy" src="https://arizent.brightspotcdn.com/dims4/default/7d4a488/2147483647/strip/true/crop/3105x1747+0+0/resize/1280x720!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2Fa7%2F05%2F1407481c46819de3432ead2611f0%2F455388673.jpg"></picture></a></ps-link> </div> </div> </div> </li> <li class="MediumImageRightStackedList-items-item"> <div class="PromoMediumImageRight" data-content-type="Article"> <div class="PromoMediumImageRight-content"> <div class="PromoMediumImageRight-headline"> <ps-tag-container-tracker> <div class="PromoMediumImageRight-category"> <ps-link><a href="https://www.americanbanker.com/organization/american-express" class="Link">American Express</a></ps-link> </div> </ps-tag-container-tracker> </div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/payments/news/amex-plans-agentic-ai-tools-for-business-clients" target=""> Amex accelerates business AI as high-profile alternatives emerge </a> </div> <div class="PromoMediumImageRight-description"><p>Meta's Muse digital assistant and fintechs have drawn lots of attention, but Amex contends it can harness its long history and ample data to train its internally developed artificial intelligence agents. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-authorImage"> <picture><source type="image/webp" width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/187b18c/2147483647/strip/true/crop/3024x3024+0+564/resize/48x48!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F84%2F1a%2F0554116d48df8c221ef9e11a6b49%2Fadams-john-ab.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/381ae3b/2147483647/strip/true/crop/3024x3024+0+564/resize/96x96!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F84%2F1a%2F0554116d48df8c221ef9e11a6b49%2Fadams-john-ab.jpg 2x"/><source width="48" height="48" data-image-size="headshotSmall"srcset="https://arizent.brightspotcdn.com/dims4/default/47676fe/2147483647/strip/true/crop/3024x3024+0+564/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F84%2F1a%2F0554116d48df8c221ef9e11a6b49%2Fadams-john-ab.jpg"/><img class="Image" data-image-size="headshotSmall" alt="" srcset="https://arizent.brightspotcdn.com/dims4/default/47676fe/2147483647/strip/true/crop/3024x3024+0+564/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F84%2F1a%2F0554116d48df8c221ef9e11a6b49%2Fadams-john-ab.jpg 1x,https://arizent.brightspotcdn.com/dims4/default/df2cb57/2147483647/strip/true/crop/3024x3024+0+564/resize/96x96!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F84%2F1a%2F0554116d48df8c221ef9e11a6b49%2Fadams-john-ab.jpg 2x" width="48" height="48" src="https://arizent.brightspotcdn.com/dims4/default/47676fe/2147483647/strip/true/crop/3024x3024+0+564/resize/48x48!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F84%2F1a%2F0554116d48df8c221ef9e11a6b49%2Fadams-john-ab.jpg"></picture> </div> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/john-adams">John Adams</a> <div class="PromoMediumImageRight-authorTitle"> Executive Editor, Payments </div> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">11h ago</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/payments/news/amex-plans-agentic-ai-tools-for-business-clients" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/830bd82/2147483647/strip/true/crop/4000x2250+0+209/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F3a%2F72%2F34e79271403eab017904fcdc09eb%2F414075687.jpg 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