American Express main products and services include credit and charge cards as well as traveller and expense management solutions. American Express partners with various organisations, banks included, to distribute American Express branded products to different customer around the world. Most of its products and services are channelled through third-party vendors and online applications. These products and services gather for diverse customers including small businesses, individual consumers and the larger corporations among others.American Express serve various segments which include Global Commercial Services (GCS), International Consumer Network Services (ICNS), the US Consumer Services (USCS), and Global Merchant Services (GMS). ICNS gathers for business and consumer travel services outside the US. USCS segment, on the other end, provides consumer cards and travel services in the US. GCS segment provides products to businesses both small and corporate, while GMS segment gathers for the merchants around the world.American Express, also known as Amex, accounts for about 24% of the credit cards payments in the US. It is also ranked the 22nd most valuable brand by Interbrand. The brand is estimated to be worth $15 billion. Likewise, Fortune has ranked it among the top 20 most prestigious companies in the world.American Express started as an express mail business in 1850 in Buffalo, New York. The company, then, was a merger of three other companies: Wells & Company (owned by Henry Wells), Livingston, Fargo & Company (Owned by William G. Fargo), and Wells, Butterfield & Company (Owned by John Warren Butterfield). In 1882, it ventured into money order business before diversifying into travel. In 1891, American Express Traveler’s Checks was introduced. From then, it has grown and evolved regarding customer base and product range.