Sep 13, 2023 / 03:15PM GMT
Terry Ma - Barclays Bank PLC, Research Division - Research Analyst
All right. I think we're going to get started. Welcome, everybody. Thanks for joining. My name is Terry Ma, I'm the new consumer finance analyst at Barclays. Very pleased to have Doug Buckminster, here, Vice Chairman of American Express. So welcome.
Douglas E. Buckminster - American Express Company - Vice Chairman
Thank you. It's great to be here. I also wanted to point out that with me today is Kerri Bernstein, our Head of Investor Relations. And Kartik Ramachandran, who will be succeeding her in the IR role after Q3 earnings.
Questions and Answers:
Terry Ma - Barclays Bank PLC, Research Division - Research AnalystGreat. I think we'll just get right into it.
Douglas E. Buckminster - American Express Company - Vice Chairman
Let's do it.
Terry Ma - Barclays Bank PLC, Research Division - Research Analyst
So, can you maybe just talk about the competitive