Innovation at Synchrony
Our focus on our customers and partners demands a vision of what’s next.
Our innovation ecosystem
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.
Synchrony Experience Center
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.
Visualize your money on the Apple Vision Pro
Synchrony joins the spatial computing journey on Apple’s Vision Pro
Get smart shopping inspiration with AI
Synchrony launched a Gen AI-powered search tool to enable thematic product discovery in our Marketplace.
Learn more
Incubation at work
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.
Trends we're tracking
Generative & Agentic AI
Embedded finance
Immersive reality
Walletless consumer
Thought leadership
making an impact
"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.”
