As shopping moves from search bars to assistants, explore how we're building a secure, intuitive foundation for AI-driven commerce.
More and more consumers are turning to AI agents to guide the shopping journey.
70%+
of Millennials and Gen Z used Google Gemini during the 2025 holiday season, along with 53% of Baby Boomers1
30-45%
of US consumers are expected to use generative AI for product research2
$1 trillion
in US revenue could flow through AI agents by 20303
We're working with partners, AI companies and industry groups to unlock secure and intuitive agent-based payment experiences for your customers.
Be discoverable in the chat. We’re invested in GenAI-enabled discovery, starting with our Synchrony Marketplace product inspiration experience and building on our expertise across consumer financing for tens of millions of consumers - with more than hundreds of thousands of small and midsize businesses, including health and wellness providers.
Timing is everything, and financing options should be easy to access and understand within the agent experience. We're developing AI agent integrations and new app experiences so your customers get the support they need when they're ready to ask about payments, financing and offers.
When it comes to AI-powered commerce, change is the only constant. That’s why we’re constantly exploring new ways to keep simple, secure financing solutions in the conversation as AI tools, apps, and digital payment experiences continue to evolve. We’re focused on making Synchrony financing easy to find, today and well into the future.
In a nutshell, the AI assistant or agent acts like a personal shopper, helping consumers find, compare and purchase products, all within the AI experience.
You tell the agent what you're looking for, and it finds relevant products for you.
The agent shows you pricing, reviews, financing offers and more across merchants.
The agent will purchase the product for you, no cumbersome checkout steps needed.
Note: Secure processing, tokenization, trusted merchant integrations and AI commerce standards all help keep this process safe.
Learn more about how we're leading the way on agentic commerce and the trends reshaping how people shop.
Synchrony has entered an enterprise collaboration with OpenAI to bring financing, rewards and loyalty into AI-native…
Aug 17, 2026 | 5 minutes
AI shopping tools can make shopping research easier: They can scan and summarize product pages, specs, expert reviews and discussions real people are having (think forums like Reddit).
Jul 30, 2026 | 4 minutes
Synchrony survey finds approximately a third of consumers used AI for finding products and deals
Mar 2, 2026 | 4 minutes
Agentic commerce is AI-powered shopping that happens within an AI-agent—from product discovery to purchase.
May 18, 2026 | 7 minutes
Agentic Commerce, powered by AI-driven shopping assistants, is redefining how consumers discover, compare and purchase products. Synchrony believes this is the biggest shift for retail brands since the rise of e-commerce 30 years ago. Brands must adapt to remain visible in this new shopping paradigm and Synchrony is helping them do so.
Oct 24, 2025 | 8 minutes
Oct 22, 2025 | 4 minutes
1Synchrony In Sync with Consumers survey, (10/1/25 – 12/5/25) Generative AI is Fast Becoming Consumers’ Go-to Shopping Advisor
2Cheris, Aaron; Vu, Mikey; Kamel, Marc-André; Johns, Leah; Koszyk, Stephanie; Burns, Maureen and Lewis, Ruth (2026, May 14). Agentic AI in Retail: How Autonomous Shopping Is Redefining the Customer Journey. Bain & Company Agentic AI in Retail: How Autonomous Shopping Is Redefining the Customer Journey
3Schumacher, Katharina; Roberts, Roger; Giebel, Katharina (2025, October 17). The agentic commerce opportunity: How AI agents are ushering in a new era for consumers and merchants. McKinsey & Company The agentic commerce opportunity: How AI agents are ushering in a new era for consumers and merchants
Disclaimers:
The materials, information, assessments, questionnaires, analyses, insights, and other content located on this page, together with any links or resources referenced herein (collectively, the “Materials”), are provided solely for general informational and educational purposes. The Materials are intended to facilitate discussion and awareness regarding agentic commerce and related technologies and do not constitute legal, regulatory, compliance, risk management, cybersecurity, accounting, tax, financial, investment, business, technical, or other professional advice.
Further, the Materials may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are based on current expectations, estimates, assumptions, and projections and involve risks and uncertainties that could cause actual results or events to differ materially from those anticipated. Agentic commerce, generative artificial intelligence and related technologies are rapidly evolving areas that may be subject to changing laws, regulations, supervisory expectations, market conditions, industry standards, and technological developments. Accordingly, you should not place undue reliance on any forward-looking statements. Such statements should be read in conjunction with the cautionary statements and risk factors described in Synchrony's filings with the Securities and Exchange Commission, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, available through the Synchrony Investor Relations website. Except as required by applicable law, Synchrony undertakes no obligation to update or revise any forward-looking statement to reflect subsequent events, circumstances, or developments.