Synchrony has entered an enterprise collaboration with OpenAI to bring financing, rewards and loyalty into AI-native shopping and checkout experiences. Synchrony’s ChatGPT plugin, soon to be available in the ChatGPT plugin directory, will allow 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.
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.
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.
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.
“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.”
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Synchrony is a leading consumer financing company that has been at the heart of American commerce and opportunity for nearly a century. Synchrony delivers credit and banking products that empower tens of millions of consumers to improve their financial lives and access what matters most. Leveraging innovative solutions that are shaping the future of retail commerce, Synchrony supports the growth and success of some of the nation’s most respected brands, alongside hundreds of thousands of small and midsize businesses, including health and wellness providers.
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