Synchrony Partners with OpenAI to Enable Shopping via ChatGPT
Synchrony (NYSE: SYF) announced an enterprise collaboration with OpenAI on Aug 17, 2026, to embed financing, rewards, and loyalty into AI-native shopping and checkout experiences. As part of the deal, Synchrony is building a ChatGPT plugin that will let consumers discover savings, browse promotional financing, and access deals from participating Synchrony partners in a conversational format. The plugin will be listed in the ChatGPT plugin directory.
Synchrony will also deploy the latest OpenAI models across its enterprise operations. The company is accelerating internal AI adoption through job-relevant training and deploying AI tools for high-impact use cases. Synchrony described the collaboration as part of a broader strategy to leverage frontier models and technology partnerships as commerce becomes more agent-driven.
Financial terms were not disclosed.
- Signals the emergence of AI chatbots as a new embedded finance distribution channel for consumer lenders
- Could accelerate adoption of embedded checkout and BNPL-style financing in AI-native interfaces, prompting competitors to follow
- OfficialSynchrony — Press Release
- NewsCNBC — Aug 2026