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Welcome to Industry Focus, the podcast that dives into a different sector of the stock market each day.

It's Monday, April 22nd, I'm your host, Jason Moser, and on today's show we've got some earnings to get to.

We're going to answer a listener email, we'll tap into Twitter, as always we've got one to watch,

but we begin this week with another installment of Between Two Fools.

For more than 13 years, Gunther Bright has been working for American Express, managing everything

from global clients to co-branded partnerships.

Today, Gunther is the Executive Vice President of U.S. Merchant Services with American Express, and recently our own

Matt Frankel chatted with Gunther about the steps that American Express has

taken to become more universally accepted and more merchant friendly and the

current and future state of the payment

processing business.

Gunther the reason that you guys really landed on our radar for this

podcast is that Amex pointed out that they not only have

brought fees down for merchants in recent years but they're much more universally

accepted so personally I carry an Amex in my wallet.

I've noticed that I don't have to pull out my backup credit card in as many places

as I did a few years ago.

Amex is definitely more universally accepted.

So how has Amex addressed the problem of universal acceptance?

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