American Express has thrown its weight behind the small business AI skills race, unveiling two training and education programmes designed to drag owner-managers and their staff out of the experimentation phase and into measurable productivity gains.
Announced this week, the initiatives have been built in partnership with the global non-profit Generation and US-based Scholarship America. The first, AI Upskilling for Small Business, is a free training programme delivered by Generation that is open to small firms anywhere in the world and taught in English and Spanish. The second, Smart Futures for Small Business Scholarships, is a US-only pot funded by the American Express Foundation that will hand eligible employees up to $1,000 (around £790) to spend on AI certification courses run by accredited vendors or educational institutions.
The move lands at a moment when boardroom enthusiasm for generative AI has yet to translate into shop-floor competence. Multiple recent surveys of UK and US small firms suggest that while curiosity is near universal, the share of owner-managers using AI tools in any structured way remains stubbornly low, with confidence and training cited as the principal blockers.
Jennifer Skyler, Chief Corporate Affairs Officer at American Express, said the company wanted to bridge precisely that gap. “AI can be a powerful tool for small businesses when it’s used in practical, everyday ways,” she said. “These initiatives were designed to help small businesses move from Gen AI exploration to practical application, equipping them to drive productivity and help unlock new opportunities for growth.”
The Generation curriculum, refined through a series of pilots, is split into three self-guided tracks pitched at different roles and levels of AI familiarity. An AI Generalist track offers a foundational primer alongside short, applied “Mini Missions” covering everyday tasks. A Digital Marketing track focuses on using AI for content production, campaign optimisation and customer insight. A Digital Customer Success track concentrates on speeding up enquiry handling and personalising the customer experience.
Across all three, participants are taught to draft customer communications, support marketing campaigns, summarise and organise information, and convert raw research into commercial insight, while keeping a human eye on the output.
Bonni Theriault, Chief Partnerships Officer at Generation, said the structure was deliberately practical. “Generation programs support participants to practice and master the skills that make the biggest difference to them in their day-to-day work,” she said. “We are delighted to partner with American Express to offer small business owners a chance to hone their AI skills and see real benefits in their work.”
For Katy Kinch, owner of US-based Buttermilk Bakeshop and an early participant, the value lay in punching above her weight. “One of the biggest program takeaways for me was realising how powerful AI can be when used the right way, because it allowed me to do things that typically require a full team,” she said. “I was able to analyse customer feedback, identify trends and track retention patterns from my living room, which gave me insights I wouldn’t normally have access to as a small business owner.”
The Smart Futures element, administered by Scholarship America, is structured as an employer-nomination scheme. Owners can put a team member forward for funding to pursue AI courses or certificate programmes of their choice. Mike Nylund, President and CEO of Scholarship America, framed it as workforce insurance against rapid technology change. “AI tools give small businesses a world of opportunity, and education and training ensure that their workforce is ready to meet the moment,” he said.
For British small business owners watching from the other side of the Atlantic, the cash element is off the table, but the Generation training is not. The curriculum is open globally and free at the point of use, putting it within reach of any UK firm prepared to commit a few hours of staff time. With the Government continuing to push productivity as the central economic challenge facing the country, and with AI repeatedly identified as the most plausible lever for small firms to pull, programmes that lower the barrier to competent adoption are likely to attract growing interest.
Generation is running multiple cohorts throughout the year, with registration open via its website. Applications close on 10 June 2026.
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American Express opens free AI training to small firms as adoption gap widens
