American Express Ventures

Center is a software company that focuses on enhancing visibility and management of employee spending for businesses. Its primary product, Center Expense, is an integrated corporate card and expense solution designed for small and medium-sized enterprises. This solution helps organizations streamline their operations, improve compliance, and save time by providing real-time insights to finance teams, facilitating better decision-making. Additionally, Center offers web development, cloud, and project management services, broadening its impact on business efficiency and operational effectiveness.

Tock, Inc., established in 2014 and headquartered in Chicago, Illinois, specializes in developing and operating a comprehensive platform for managing reservations and operations in the hospitality industry. Its core product, Tock, is a robust system that enables restaurants, wineries, and pop-ups worldwide to manage reservations, tables, and events, offer delivery and pick-up options, and capture guest data for targeted marketing and improved hospitality. The platform also provides features such as automated confirmations, add-ons at booking, POS integration, marketing tools, and detailed reporting to streamline operations and enhance the guest experience.

Rooam is a contactless payment platform that serves the nightlife and hospitality industry, providing a modern solution for restaurants, bars, music venues, and arenas across the country. The platform enables users to streamline their payment processes for bar tabs and restaurant bills through its financial application, which can be seamlessly integrated with existing point-of-sale (POS) systems without requiring additional hardware. Rooam's features include real-time friend location services and event discovery, enhancing the overall experience for patrons. Furthermore, the platform is PCI-compliant, ensuring secure transactions and promoting a hassle-free payment experience.

Nipendo Ltd. is a technology company based in Netanya, Israel, that specializes in a cloud-based robotic process automation (RPA) platform. Founded in 2003, Nipendo focuses on automating purchase-to-pay and accounts payable processes for large and medium-sized enterprises. The platform enhances buyer-supplier communication and collaboration, facilitating the integration and synchronization of business operations while offering solutions for supply chain orchestration, financing, and invoice reconciliation. Utilizing machine learning and artificial intelligence, Nipendo's platform ensures process compliance and governance, helping clients streamline interactions with suppliers and reduce reliance on manual labor. Its scalable trading-partner network supports widespread electronic procurement and invoicing, enabling organizations to optimize their procurement processes effectively.

BodesWell is a provider of self-service financial planning software aimed at enabling financial institutions to offer planning services to individuals who do not have access to traditional financial advisors. The company's automated tools assist users in tracking budgets and investments, helping them manage their financial activities in relation to key milestones such as purchasing a home, funding education, and preparing for retirement. By integrating BodesWell's software into existing online platforms, established financial services firms can extend the advantages of financial planning to millions of underserved customers. In June 2022, BodesWell was acquired by American Express, enhancing its capacity to reach a broader audience.

Kabbage is a financial technology company that provides small businesses with automated access to working capital through a 100% online lending platform. The platform uses business data such as revenue, accounting data, transactions, shipping, and other sources to assess health and calculate credit lines in real time, enabling applications, approvals, and funding decisions in minutes. It offers ongoing lines of credit and a purchasing card tied to the account for point-of-sale payments, along with a mobile app for on-the-go access and management. Kabbage began serving online merchants and expanded to all small businesses, including brick-and-mortar customers, and licenses its data and technology to power lending for other organizations.

Resy is an online reservation platform that simplifies the process of booking tables at restaurants. Catering to both diners and restaurants, Resy connects users with a diverse selection of over 5,000 establishments globally. Through its content-rich website and user-friendly mobile app, the platform allows diners to easily discover and reserve tables at their favorite restaurants without the hassle often associated with making reservations. Resy is designed with a focus on hospitality, providing users with access to restaurant ratings and reviews, which enhances their dining experience. By leveraging technology, Resy aims to redefine the future of hospitality and serve as a valuable resource for food enthusiasts.

LoungeBuddy, Inc. is a mobile application company based in San Francisco, California, founded in 2013. It specializes in providing travelers with short-term access to airport lounges worldwide. By enabling users to discover, book, and access these lounges, LoungeBuddy enhances the travel experience for those seeking comfort and amenities while waiting for flights. The company operates as a subsidiary of American Express Travel Related Services Company, Inc. LoungeBuddy's innovative platform allows lounge operators to sell excess capacity, capitalizing on the significant gap between available and utilized entries. This technology-focused approach includes a patent-pending, real-time inventory management system that optimizes passenger flow and facilitates transactions for various travel-related companies. With the global airport lounge market experiencing underutilization, LoungeBuddy aims to transform lounge access into a standard component of the air travel experience, alongside flights and hotel bookings.

Pocket Concierge is a Japanese online platform facilitating restaurant reservations at selected high-end establishments. Its mission is to promote Japanese culinary culture globally while offering users an exclusive dining experience. The platform enables seamless bookings and payments, overcoming language and payment barriers for both mobile and web browser users.

Cake Technologies is a developer of a mobile payment application focused on enhancing the customer experience in restaurants and bars across London. The platform simplifies the process of discovering, booking, and paying for services while allowing users to earn loyalty rewards. By eliminating the need for cash and card payments, Cake Technologies streamlines transactions and provides valuable data analytics to venues. This actionable data helps restaurants and bars drive revenue and improve customer loyalty and retention.

Mezi is a travel technology company based in Sunnyvale, California, that specializes in providing executive assistant services through a text message interface. Acquired by American Express in 2018, Mezi offers a personal travel assistant application that utilizes artificial intelligence and machine learning to assist users in planning and booking their trips. The platform enables travelers to book flights, reserve hotel accommodations, and make dining arrangements, all through a simple messaging app. Mezi aims to enhance the travel experience by delivering a personalized, efficient service that allows individuals to navigate their travel needs with ease and confidence, positioning itself at the forefront of the evolving travel landscape.

InAuth, Inc. is a digital device intelligence company specializing in data-driven authentication and fraud detection solutions. Based in Venice, California, the company offers advanced mobile and browser security technologies, including persistent and dynamic device identifiers, deep location analytics, and malware detection services. InAuth's comprehensive risk and decision engine assesses device data to identify potential fraud attributes and implement rules for effective fraud management. Additionally, the firm provides mobile commerce solutions that ensure the integrity and confidentiality of financial transactions for various sectors, including banking, healthcare, and government. Since its incorporation in 2013, InAuth has aimed to enhance the security of digital channels, enabling organizations to mitigate risks and streamline user experiences in an increasingly digital landscape. As of 2016, it operates as a subsidiary of American Express Company.

Sometrics, founded in 2007 and headquartered in El Segundo, California, is a subsidiary of American Express that specializes in providing innovative solutions for monetizing free-to-play online games. The company offers a comprehensive payment processing and optimization platform that enhances in-game payment methods, enabling game publishers to increase revenue and improve user conversion rates. Sometrics supports a variety of payment options in over 100 countries, including credit cards, mobile payments, pre-paid cards, and bank transfers. Additionally, the company operates GameCoins.com, a platform that connects gamers with publishers through engaging activities, allowing users to earn virtual currency that can be redeemed for games and other rewards. With its advanced analytics tools, Sometrics helps clients effectively target audiences and maximize their monetization strategies in the rapidly evolving digital gaming landscape.

Loyalty Partner is a provider of customer relationship management services that specializes in developing and operating loyalty programs and process management systems. With a strong emphasis on enhancing customer satisfaction, the company supports businesses in understanding their customers better, which is vital for maintaining loyalty and profitability in competitive markets. Loyalty Partner has gained significant expertise through the successful development of PAYBACK, a prominent bonus program and multichannel marketing platform. The company collaborates with its subsidiaries, including emnos, which focuses on customer insights, and Loyalty Partner Solutions, an IT solutions provider. Together, they offer a comprehensive range of services for customer management, encompassing CRM consulting, the design and implementation of tailored bonus programs, and the management of complex processes.

Accertify is a company that specializes in developing tools to help merchants identify and prevent fraudulent credit card use in online, telephone, or any card-not-present transactions. Their platform offers solutions for fraud prevention, digital identity verification, device intelligence, chargeback management, and payment gateway services. These tools are designed to assist clients across various industries, including e-commerce, retail, financial institutions, travel, and iGaming, by reducing the total cost of fraud, streamlining business processes, and ultimately increasing revenue.

Revolution Money is a financial services company focused on disrupting traditional credit card companies and digital payment platforms. It offers a unique credit card, the RevolutionCard, which utilizes PIN activation instead of signatures, enhancing security by allowing the card to be printed without personally identifiable information. This innovative approach aims to reduce identity theft and lower processing fees through an internet-based transaction system. Additionally, Revolution Money provides MoneyExchange, a service that enables users to transfer funds between one another, with the added benefit of accessing these funds via a debit/ATM card. Transfers between account holders are free, promoting seamless transactions. The company is partially owned by Revolution, LLC, an investment firm founded by Steve Case, and is supported by a board comprising notable figures from the financial industry.