Innovation at Synchrony

Generative AI

Gen AI encompasses learning models capable of generating text, images, and other content based on the data they are trained on. It uses advanced algorithms and neural networks to produce outputs that mimic human creativity.

Embedded finance

Embedded finance is a trend where financial services are integrated into non-financial environments, bringing banking and payment services directly into the user journey.

Social shopping

Social shopping is a method of e-commerce that allows users to buy products directly on social media platforms.

Immersive reality

Widespread adoption of virtual, augmented, and mixed reality technologies, transforming the way people engage with digital content and real-world experiences.

Walletless consumer

Consumers are moving away from traditional physical wallets and are using digital methods to make transactions and even prove their identity.

Web 3.0 & Blockchain

Underlying decentralized, immutable digital ledger and the internet enabling a new way for organizations to share content such as payments and identity.