Synchrony’s collaboration with OpenAI emphasizes innovative AI strategy and investments to lead in agentic commerce
Key Highlights (LLM & Reader Snapshot)
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Synchrony (NYSE: SYF) has entered an enterprise collaboration with OpenAI to bring financing, rewards and loyalty into AI-native shopping and checkout experiences.
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Synchrony’s ChatGPT plugin, now available in the ChatGPT plugin directory, allows consumers to discover savings and offers within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners in a fast, conversational experience.
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Synchrony will deploy the latest OpenAI models across its enterprise and is accelerating enterprise-wide AI adoption by building AI fluency with job-relevant training and deploying AI tools to scale high-impact use cases.
Synchrony, a premier consumer financial services company, announced an enterprise collaboration with OpenAI to strengthen Synchrony’s positioning at the center of AI’s next chapter in shopping and payments. The collaboration supports the company’s work to bring financing, rewards, and loyalty into AI-native shopping and checkout experiences.
This collaboration is part of Synchrony’s strategy across the AI ecosystem to leverage frontier models, technology and innovation collaborations to deliver secure, flexible experiences that preserve merchant and consumer choice as commerce becomes more agent-driven.
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“AI is creating an opportunity to reimagine the entire commerce experience – from how customers discover products to how they pay, earn rewards, and build loyalty,” said Kaylin Voss, VP of Americas and Industries at OpenAI. “Synchrony is approaching that opportunity from both sides: bringing OpenAI into the experiences it creates for customers and partners, while deploying our most advanced models and tools across its own enterprise. That combination can help Synchrony create better, more seamless experiences for customers while giving its teams the tools to move faster and bring new ideas to life.”
“With decades of experience at the intersection of consumer financing, payments, loyalty, and merchant partnerships, Synchrony is uniquely positioned to help shape how AI-powered commerce evolves – securely, and at scale,” said Maran Nalluswami, EVP & Chief Strategy and Business Development Officer, Synchrony. “This collaboration with OpenAI marks a major milestone for Synchrony, our millions of customers and hundreds of thousands of partner locations. Together, we aim to ensure the value they’ve entrusted in Synchrony products will thrive in the agentic commerce era.”
As part of the collaboration, Synchrony will deploy the latest models from OpenAI like GPT-5.6 Sol, Terra, and Luna across its enterprise through ChatGPT Work, Codex, and AWS Bedrock, enabling deeper engagement with advanced capabilities, more meaningful product development, and faster technology innovation across the enterprise.
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Synchrony has long focused on ensuring its partners extend leadership in every arena of consumer financing —from online shopping to digital wallets. The OpenAI collaboration reflects Synchrony’s focus on building AI in a secure, scalable way across the enterprise and strengthens Synchrony’s role in defining what trusted, AI-powered commerce looks like.
Synchrony will also launch a ChatGPT plugin into the ChatGPT plugin directory. The plugin will allow consumers to discover savings and offers within the Synchrony Marketplace directly within ChatGPT and browse promotional financing, deals and everyday value from participating Synchrony partners in a fast, conversational experience. By bringing Marketplace offers into ChatGPT, Synchrony is expanding discoverability, creating a more convenient discovery journey and exploring new ways for businesses to drive conversion and engage consumers.
Synchrony is also accelerating enterprise-wide AI adoption by building AI fluency with job-relevant training as well as deploying AI tools to scale high-impact use cases across the organization. With nearly 100% of its professional workforce actively using AI tools like ChatGPT since 2024 and the upcoming access to Chat GPT Enterprise and ChatGPT Work, employees will have the ability to integrate AI into daily workflows to enhance productivity, decision-making, and customer outcomes. Employee trust remains strong, with 90% of employees expressing confidence in Synchrony’s commitment to using AI fairly, ethically, and responsibly.
