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Our focus on our customers and partners demands a vision of what’s next.
From Agile teams and incremental innovation to exploration and R&D labs, Synchrony’s teams are empowered to rapidly and responsibly ideate, learn, and launch.
Our internal practices and teams drive innovation daily, scaling to massive API volumes and impressions, and actively pursuing new venture investments.
By focusing on key trends including generative and agentic AI, embedded finance, immersive reality and the walletless consumer, we can unlock real value.
At Synchrony, we proactively facilitate innovation through Bolt sessions, Hackathons, BLP (Business Leadership Program) Challenges, and Rapid Ideation Sessions alongside our University partners and interns at UIUC and Uconn.
We focus on high-impact trends to solve for known unknowns. We are laser focused on the primary question to answer and testing MVP solutions in a controlled environment.
Preview our explorations into cutting edge technologies, learn about our innovative projects in flight, and how we are testing and learning in our NYC office at Bryant Park.
Synchrony joins the spatial computing journey on Apple’s Vision Pro
Synchrony launched a Gen AI-powered search tool to enable thematic product discovery in our Marketplace. Learn more
It’s critical we unpack the potential of what new technology can do for us. Context matters greatly. Here are some trends our dedicated team tracks and explores every day.
Generative AI creates new content by learning patterns, while Agentic AI can adapt, take actions or make decisions to achieve goals.
Embedded finance is a trend where financial services are integrated into non-financial environments, bringing banking and payment services directly into the user journey.
Widespread adoption of virtual, augmented, and mixed reality technologies, transforming the way people engage with digital content and real-world experiences.
Consumers are moving away from traditional physical wallets and are using digital methods to make transactions and even prove their identity.
"Synchrony Prism helps tens of millions of Americans access credit responsibly and pay for the things that matter to them. This is a collaboration between the Synchrony technology and credit teams, focused on innovating credit and fraud decisioning, while improving the customer experience.”
“This is not only giving underserved and underbanked consumers access to financial opportunity, but Synchrony Prism has also helped underwrite $180 billion of sales a year for our partners.”
“Much like other catalyst trends, we’ll see an explosion of ideas in the short term, followed by groundbreaking transformation, and then a settling into the use cases that work,” (Mike Storiale) predicts. “Over time, we expect that gen AI becomes as baked into operations as other catalysts before it, like the internet, mobility, and the cloud.”
“We are trying to get to a point where we know the customer more deterministically as they move through their payment journeys. Customers expect personalization. They expect that we know them.”
“From social settings, livestreaming, marketplaces — it is all about getting as close to the decision as possible and showing up in the discovery process.”
“Higher borrowing costs have made consumers more cautious about taking on debt for discretionary purchases.”
Our Partner brands participate on focused challenges in 2-day workshops that feature intense collaboration, rapid concepting, and occasionally strategic pivots. Many of our partner brands have benefited from Bolt Sessions since 2005.
Hackathons are 24-hour competitions prompting teams from around the globe to use a piece of emerging technology to solve complex problem. We’ve held dozens of Hackathons that have engaged thousands of employees.
Synchrony has established technology centers at UCONN and University of Illinois to accelerate exploration into emerging trends and build academic partnerships.