Synchrony has announced an enterprise collaboration with OpenAI to support its work in AI-native shopping and payments, according to PRNewswire.

The collaboration is intended to help Synchrony bring financing, rewards, and loyalty into AI-native shopping and checkout experiences. It is part of the company’s broader strategy to use frontier models, technology, and innovation collaborations to deliver secure and flexible commerce experiences while preserving merchant and consumer choice.

AI-Native Shopping and Payments

“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.”

Synchrony said the collaboration reflects its focus on building AI in a secure and scalable way across the enterprise. The company said it is working to strengthen its role in defining trusted AI-powered commerce as shopping and payments become more agent-driven.

“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 and its products will thrive in the agentic commerce era.“

Enterprise AI Deployment

As part of the collaboration, Synchrony will deploy OpenAI models across its enterprise through ChatGPT Work and Codex, with OpenAI models also available through Amazon Bedrock. The company said this will support deeper engagement with advanced capabilities, more meaningful product development, and faster technology innovation.

Why It Matters

The collaboration is intended to expand discoverability, create a more convenient discovery journey, and explore new ways for businesses to drive conversion and engage consumers.

Synchrony is also accelerating enterprise-wide AI adoption through job-relevant training and AI tools for high-impact use cases. The company said nearly 100% of its professional workforce have actively used AI tools such as ChatGPT since 2024, and upcoming access to ChatGPT Enterprise and ChatGPT Work will allow employees 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.