American Express Company is an integrated payments company. The Company provides its customers with access to products, insights and experiences that builds business. It provides credit and charge cards to consumers, small businesses, mid-sized companies and corporations around the world. Its various products and services are sold to diverse customer groups through various channels, including mobile and online applications, affiliate marketing, customer referral programs, third-party vendors and business partners, direct mail, telephone, in-house sales teams and direct response advertising. It is engaged in businesses comprising three reportable operating segments: Global Consumer Services Group (GCSG), Global Commercial Services (GCS) and Global Merchant and Network Services (GMNS). It operates a payments network through which it maintains relationships with third-party banks and other institutions.