Insights

We're constantly researching what's important to consumers and how businesses can put right pieces in place to make sure their consumers get what they want and need, whether it's through surveys, data analytics or other insights.

DJ Casto

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03/22/2022

DJ Casto

Participating in a Synchrony Cares event

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Carol Juel

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03/22/2022

Carol Juel

Working in her office, taking a video call

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Brian Doubles

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03/22/2022

Brian Doubles

Working in his office, chatting with the Business Leadership Program, getting updates from employees

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Florin Arghirescu, Jeff Lamour, Bess Healy, Brian Doubles

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03/22/2022

Florin Arghirescu, Jeff Lamour, Bess Healy, Brian Doubles

Updating the company in a fireside chat

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Mobile Apps: The Ultimate Destination

Video

12/11/2020

Mobile Apps: The Ultimate Destination

Many businesses have a mobile app — but is that app giving customers what they need? As retailers reimagine their customer touchpoints, apps look like a promising new opportunity.

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The Social Commerce Journey

Video

10/09/2020

The Social Commerce Journey

Learn about the expanding world of social commerce and how customers have embraced the “see it, click it, pay for it” mentality.

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The State of Data Strategy: Driving Personalization

Video

07/20/2020

The State of Data Strategy: Driving Personalization

Data drives opportunities for growth. When you use it to tailor a strategy, you may make stronger, more personal connections with your customers.

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The State of Voice Technology In Retail

Video

06/16/2020

The State of Voice Technology In Retail

Our everyday is evolving, and so are customers’ buying experiences. Voice technology may have a broader role in connecting you to consumers.

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Video

01/06/2020

The State of the Omnichannel Experience

With the right data, retailers are equipped to provide a seamless customer experience across all channels. Learn how the omnichannel experience is personalizing the connections retailers make with shoppers.

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Video

01/06/2020

The State of Taking Friction Out of Shopping

Technology and data have the power to completely revolutionize the way we pay.

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Young woman looking at clothes in store

Video

11/07/2019

Gen Z Enters the Marketplace

For younger generations, the experience of buying a product is as important as the product itself. Learn how retailers can cater to Gen Z to win their business.

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Women looking at smart phone

Video

11/07/2019

Payment Security at Your Fingertips

In the next five years, retailers can expect wider adoption of facial recognition and finger-print scanning in payments. Why? Bio-authentication offers stronger payment security than a typical password.

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Store and shopping bag icons

Video

11/07/2019

Checkout-Free Stores Promise Greater Convenience

Walk in. Grab item. Walk out. When it comes to in-store checkouts, it may be time to make an upgrade.

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Social commerce icons dress, high heel shoe, tie and watch

Video

11/07/2019

Social Commerce Delivers on Diversity

The new window-shopping is happening on a device. Learn how social media helps consumers browse items and discover new retailers.

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Man walking in aisle of server room

Video

11/07/2019

Artificial Intelligence Equals Real Results

Get acquainted with the tech that could up your competitive edge. Whether it’s for inventory or personalization, the promise of AI is very real for retailers.

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Woman interacts with smart speaker

Video

11/07/2019

The Future of Smart Speakers May Be in Payments

Nearly half of U.S. consumers own a smart speaker, but voice commerce is just starting to find its footing. Discover how this new technology is poised to expand in the future.

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Video

11/07/2019

The In-Store Experience Is Still in Demand

Despite the rise of e-commerce, 80% of shopping is still done in store. Learn how brands are attracting in-store customers through immersive in-store shopping experiences.

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Woman shopping in retail store

Video

11/07/2019

AI and Loyalty Are a Virtuous Cycle

AI brings personalization. And personalization brings loyal customers... which brings even more personalization. Let the virtuous cycle begin.

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Young women using apps on smartphone

Video

11/07/2019

Retail Apps: More Is Better

Shoppers don’t just want retail apps, they want retail apps that work for them. Discover how brands are providing deeper value in their mobile interactions with consumers.

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Man pays via payment terminal with mobile phone

Video

11/07/2019

Mobile Wallets Will Be the New Normal

Imagine it: a world where payments happen at your the tap of a button. It’s the future, and the future is saying "hello" to mobile wallets.

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4 technologies

Video

02/11/2019

Tech That's Changing the World of Shopping

Where and how consumers shop is changing rapidly thanks to advances in technology. Four technologies, including biometrics, artificial intelligence, voice assistants and virtual and augmented reality, are changing the game for frictionless payments.

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The super power of the smart speaker

Video

01/07/2019

Voice Commerce: The Super Power of the Smart Speaker

From buying coffee on the quick, to splitting the dinner check with friends or even paying rent, today’s shoppers are discovering the convenience, security and speed of mobile utilities.

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digital DNA

Video

01/07/2019

The rise of digital DNA

What happens when shoppers ditch their wallets in favor of storing personal information digitally?

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The Speed of Commerce

Video

11/30/2018

Moving at the Speed of Commerce

The convergence of technologies such as voice assistants and smartphones, along with AI-powered data and privacy and security tools, is fueling faster, more integrated and more contextual shopping experiences. Executives from Synchrony and Amazon Pay

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AI is Radically Changing

Video

10/22/2018

AI is Radically Changing the Retail Landscape

Artificial intelligence is already changing the way we shop and buy from making credit decisions faster to allowing us to use our voices to buy products. Synchrony’s chief technology officer Greg Simpson offers insight into how AI technologies

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Building Connections

Video

09/19/2018

Building Connections with Gen Z

Building connections among Generation Z means thinking differently

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Shopping Anytime, Anywhere

Video

09/19/2018

Contextual Commerce: Shopping Anytime, Anywhere

Contextual commerce is making that our new reality.

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Drive customer loyalty

Video

08/06/2018

Driving Loyalty Through Personalized Shopping Experiences

Shoppers are more informed than ever before. Microsoft Global Retail Director Karen Garrette says data can help retailers create personalized experiences that build loyal relationships.

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The Right Data

Video

07/30/2018

The Right Data Can Help Target the Perfect Customer

New technologies are providing retailers with unprecedented amounts of customer data. The challenge, according to industry experts, is figuring out how to use it.

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Seamless Payments

Video

05/15/2018

Seamless Payments Help Retailers Put Customer Experience First

In the future, frictionless payments will simplify and streamline checkouts. State of Pay met with retail leaders to hear how the payment process, as shoppers know it, is disappearing.

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Diversity & Inclusion

Video

09/15/2017

Synchrony | Diversity & Inclusion

Synchrony's commitment and focus on diversity and inclusion across the organization.

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Customer Testimonials

Video

02/11/2015

Synchrony Financial: 2014 Customer Testimonials

Hear what customers have to say about the value of store credit & financing.

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Graduates and Interns

Video

10/01/2014

Synchrony Financial - Graduates and Interns

Engage with what makes you tick. Get started with us

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WhitePaper

03/18/2019

The Synchrony Trend Spotter

The transformation in retail is driven mainly by technology and artificial intelligence. Read on to discover five top trends that are changing the way people shop—now and into the future.

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WhitePaper

03/04/2019

Shopping for AI

Our survey findings show that retailers are making meaningful strides in their digital transformation efforts, with AI-powered technologies an increasing focus.

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WhitePaper

11/30/2018

Social Media and Its Impact on Retail

Overview—Key Findings

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WhitePaper

11/28/2018

5 Emerging Technologies Impacting Retail

Overview—Key Findings

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WhitePaper

10/23/2018

Harnessing AI to Transform the Customer Experience

Synchrony is using machine learning models and artificial intelligence (AI) technology to help customers get easier access to credit, provide personalized, real-time responses to customer questions, and to equip representatives and credit experts with too

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WhitePaper

08/03/2018

Understanding Generation Z: An Overview

Insights on their behavior

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WhitePaper

08/02/2018

Understanding Generation Z: Shopping and Retail Habits

Insights on their spending patterns

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WhitePaper

08/01/2018

Understanding Generation Z: Outlook on Finances and Future

Insights on their financial knowledge

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WhitePaper

07/01/2018

Retail Consumers Adopt New Technology

The 2018 Synchrony Digital Study uncovers the evolving landscape of digital shopping and payments.

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WhitePaper

06/01/2018

Harnessing Data and Technology

As retail competition increases, the need to provide an outstanding customer experience (CX) does too.

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WhitePaper

03/28/2018

Synchrony at Women in Retail Leadership Summit 2018

Join us in Salon 4 to experience the Synchrony Lounge and State of Pay Studio at the Women in Retail Leadership Summit.

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WhitePaper

03/14/2018

Synchrony at Shoptalk 2018

The Synchrony Trend Spotter Five Retail Trends to Watch in 2018

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WhitePaper

02/21/2018

Synchrony at CRMC 2018

Looking for more insights beyond CRMC? Synchrony is proud to share key trends in loyalty and retail that are influencing today's customer experience.

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WhitePaper

01/02/2018

Defining Loyalty for Your Brand

Loyalty is the result of timely and relevant engagement with consumers that drives them to become advocates for a brand and to consciously select one brand over another.

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WhitePaper

12/05/2017

A Working Forward Story: Malia

This is Malia's story:

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WhitePaper

10/10/2017

Sixth Annual Path to Major Purchases

The consumer's path to big-ticket purchases

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WhitePaper

10/05/2017

Retail Apps: Why Consumers Download, Use, and Delete

Retail App Engagement—why shoppers download, use or delete apps?

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WhitePaper

09/25/2017

The Path to a Healthier Community: Bryson City Bicycles

The Path to a Healthier Community

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WhitePaper

08/10/2017

Machine Learning for Retailers

Driving Results with Artificial Intelligence Tools

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WhitePaper

04/21/2017

A Patchwork of Ambition at Country Stitches

A Patchwork of Ambition at Country Stitches

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WhitePaper

02/15/2017

The Synchrony Trend Spotter: Retail Trends to Watch

Retail Trends to Watch

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WhitePaper

02/10/2017

How to design the perfect retail customer experience

Today’s consumers demand custom experiences as part of their everyday lives — especially when shopping.

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WhitePaper

01/25/2017

The Essential Guide to Technology in Retail

Developments and insights in retail and payments technology

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WhitePaper

01/17/2017

What your business should know about mobile wallets

What your business should know about mobile wallets

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WhitePaper

01/13/2017

Fifth Annual Major Purchase Consumer Study

Consumer Study| Insights

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WhitePaper

01/05/2017

Congratulations to the 'Working Forward Small Business Award' Winners!

Strong, healthy small businesses can have a big impact on the communities they serve.

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WhitePaper

10/28/2016

The Diversity Card: How to Sponsor and Create Networks for Future Leaders

This commentary originally appeared in Forbes on October 6, 2016

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WhitePaper

10/25/2016

Retail Technology: A Snapshot for Retailers

In-store technology and its implications for retailers and shoppers

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WhitePaper

10/20/2016

Driving Shopper Engagement through Digital Technology

The sixth annual Synchrony Financial Digital Study

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WhitePaper

10/14/2016

How Smaller Roles Can Get You to the C-Suite

There isn’t one way to get to the top

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WhitePaper

09/26/2016

How Mobile Wallets Can Make Your Life Easier

How Mobile Wallets Can Make Your Life Easier

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WhitePaper

09/15/2016

The Affluent Household: A Segment on the Rise

Insights on this key, fast growing consumer segment

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WhitePaper

08/16/2016

Brick and Mortar Reborn

Brick-and-Mortar Reborn: The Future of Retail in the Era of Urbanization

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WhitePaper

07/26/2016

The Synchrony Trendspotter

5 Retail Trends to Watch

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WhitePaper

07/05/2016

Why We Need to Balance the Digital vs. Human Touch

Digital vs. Human Touch

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WhitePaper

06/30/2016

What Are You Working Forward To? The Changing Definition of Ambition

The Huffington Post

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WhitePaper

06/27/2016

Time to Play the Woman Card in Financial Technology

Time to Play the Woman Card in Financial Technology

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WhitePaper

06/20/2016

Data Visualization

Translating data into actionable insights for retailers

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WhitePaper

06/15/2016

A Day in the Life of a Smarter Shopper

A Day in the Life of a Smarter Shopper

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WhitePaper

06/13/2016

A 10x Future Demands Change

A 10x Future Demands Change

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WhitePaper

05/25/2016

A Split Screen

Online Information and a Human Touch

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WhitePaper

05/20/2016

Driving Innovation with Your Teams

Driving Innovation with Your Teams

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WhitePaper

05/10/2016

Turning a Passion for Travel into an Exciting Encore Career

Turning a Passion for Travel into an Exciting Encore Career

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WhitePaper

05/05/2016

Taming Big Data

Using the partnership of IT and Marketing Analytics to maximize marketing impact

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WhitePaper

03/31/2016

Staying in the Fast Lane – Put a Little More 'T' in Your 'C' suite

Staying in the Fast Lane – Put a Little More 'T' in Your 'C' suite

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WhitePaper

03/21/2016

Identifying Identity Theft Risks

In order to best safeguard yourself, Synchrony Financial and the FTC want you to know more about identity theft dangers that exist across the web.

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WhitePaper

03/15/2016

The Makings of a 'Good' Purchase

A closer look finds these retailers are more aligned than one would think, with quality and value being top of mind for shoppers.

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WhitePaper

02/26/2016

Is Your Big Data Effort a Big Deal?

In Gartner parlance, it’s at the top of the hype curve. Mention “big data” and people imagine answering impossibly hard JEOPARDY!© questions effortlessly.

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WhitePaper

01/28/2016

The Lines Between the Consumer Internet and IoT are Blurring Fast

As retailers look to personalize shopping experiences for their customers, the realm of the "consumer Internet" is looking more and more like the "internet of things."

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WhitePaper

01/26/2016

Data Insights: Power to the Parents

People with kids are among the most frequent shoppers, yet advertisers spend much more to reach millennials. Is there a disconnect?

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WhitePaper

01/20/2016

Data Insights: Millennial Mall

A guide to Millennial shoppers and how their preferences are shaping the in-store experience.

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WhitePaper

01/14/2016

Find Out How Mobile is Enhancing the Way People Shop

Retail shoppers are relying more on digital technology than ever before. It affects everything from where they shop to what they buy to how they pay.

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WhitePaper

12/21/2015

Beware of Holiday Email Scams

This holiday season, consumers can expect to experience a substantial spike in cyber-attacks beginning the day before Thanksgiving lasting well into the New Year.

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WhitePaper

12/16/2015

These 3 female executives are leading innovation in the retail industry

BI Studios interviewed top female players Vela; Jeanne Kemp, VP of financial planning at Toys "R" Us Inc.; and Jessica Herrin, founder and CEO of Stella & Dot Family Brands, to learn more about their strategies for successful leadership in the retail spa

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WhitePaper

12/11/2015

5 Ways Mobile Can Help Brands Boost Customer Loyalty

In today's device-driven age of texts, tweets, and Snapchats, it's hard to grab consumers' attention.

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WhitePaper

12/08/2015

Shoppers' Little Helper: Mobile Tech

POLL: FROM COMPARING PRICES TO TAKING PRODUCT PICTURES, MOBILE IS A PART OF PURCHASING PATH

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WhitePaper

12/04/2015

Much Love for Loyalty Programs

A vast majority of American adults—80 percent—belongs to some type of loyalty program, according to a recent Synchrony Financial poll.

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WhitePaper

11/23/2015

5 Things to Know:

Top Cybersecurity tips for this holiday season

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WhitePaper

11/16/2015

More than Protecting Passwords: Advancements in Cyber Security

As data leaks and hacking attempts continue to make front page news, cyber security has entered the spotlight and—with cyber criminals becoming all the more sophisticated—is poised to stay there.

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WhitePaper

11/10/2015

Customized Offers: Deeper Connections via Data

Putting the Custom in Customer

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WhitePaper

11/06/2015

How beacons work and why they matter

Retailers are using technology in new ways to improve the shopping experience at their stores. One key component of this is beacons, which use a person's mobile device to customize the shopping experience.

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WhitePaper

11/04/2015

In-Store Shopper Segmentation Study

In the last five years, the retail industry has been primarily focused on driving digital growth.

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WhitePaper

10/28/2015

Segmentation Strategies for Retailers

Leverage customer insights to drive profitable growth

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WhitePaper

10/15/2015

5 Ways Technology is Revolutionizing the Way We Shop

Technology is Revolutionizing the Way We Shop

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WhitePaper

09/24/2015

The Retail Customer Experience

When it comes to shopping behavior, price is always a key motivator.

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WhitePaper

08/19/2015

Balancing Multi-Generational Retail Strategies

Millennials, Boomers and the changing retail landscape

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WhitePaper

06/17/2015

Here's One Way Retailers Can Grow Customer Loyalty

Here's One Way Retailers Can Grow Customer Loyalty

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WhitePaper

05/20/2015

Synchrony Financial has an Entire Lab Dedicated to Revolutionizing Mobile Shopping

Synchrony Financial has an Entire Lab Dedicated to Revolutionizing Mobile Shopping

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Small Business Spotlight: Synergy, a Family-Run Business Helps Community Stay Cool as Business Heats Up

Article

12/08/2022

Tech and Innovation: Putting Customers First

Listening to the customer helps Synchrony tech and innovation team create better user experiences.

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Small Business Spotlight: Synergy, a Family-Run Business Helps Community Stay Cool as Business Heats Up

Article

11/10/2022

Small Business Spotlight: Synergy, a Family-Run Business Helps Community Stay Cool

In Florida's humid, subtropical climate, residents understand the importance of proper air conditioning and ventilation

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4 Tips to Help Increase Sales for Retailers This Holiday Season

Article

11/10/2022

4 Tips to Help Increase Sales for Retailers This Holiday Season

Consider these trends when crafting your company's strategy for the extra-long 2022 holiday season.

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Small Business Spotlight: How Quilt Beginnings Creates Community

Article

10/19/2022

Small Business Spotlight: How Quilt Beginnings Creates Community

When Cathy Shoemaker left her job as a project manager, cashed in her 401(k), and opened a quilt shop in 1998, her friends thought she was crazy. But 24 years later, Quilt Beginnings is still going strong in Dublin, Ohio, selling fabric, sewing machines,

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Three Holiday Shopping Trends Retailers Should Expect in 2022

Article

10/12/2022

Three Holiday Shopping Trends Retailers Should Expect in 2022

The 2022 holiday shopping season may indeed be the most wonderful time of the year for retailers. Though shoppers are concerned about inflation, they are upbeat about giving — and many are budgeting for big holiday spends.

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Article

09/27/2022

Small Business Spotlight: Neal's Homestore Embraces New Ways to Serve, Online and in the Community

Neal's Homestore has been a fixture of the Okmulgee, Oklahoma, community for three generations. The family-run home furnishings store distinguishes itself through service ...

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Build to Lead

Article

09/14/2022

Built to Lead

2022 has proved itself a unique year. This on the heels of a few unique years before it - which may be the understatement of the decade. Market dynamics and consumer expectations are rapidly evolving. Supply chains remain strained.

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Two Important Mantras for Your New Innovation Team

Article

08/05/2022

Two Important Mantras for Your New Innovation Team

Starting a team is hard. There’s a need to build trust, camaraderie, and align on clear goals.

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Customer Forward Tech

Article

08/05/2022

How Synchrony Uses Tech To Create Great Customer Experiences

Consumers want—and expect—convenience. Whether in-person, in-app or online, a smooth purchasing experience equals a happy customer.

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Trend or Fad? 5 Questions to Ask So Your Innovation Team Chases the Right Stuff

Article

07/12/2022

Trend or Fad? 5 Questions to Ask So Your Innovation Team Chases the Right Stuff

Building for the future means taking bets. Thinking about big ideas. Seeing the world through a different lens.

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Consumer Financing

Article

06/28/2022

What is Consumer Financing? Benefits, Examples and How to Start

When it comes to how they purchase and pay for items, consumers have more choices than ever before. As businesses look for more ways to improve the shopping experience, programs that spur bigger sales and improve the customer experience offer serious valu

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Loyalty

Article

06/21/2022

Data, the ultimate marketing instrument

How a data exchange with Synchrony helps Sweetwater drive online growth, ensuring customers have a great experience on the website

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Article

03/22/2022

3 Top Small Business Retail Payment Trends: 2022 Edition

Small businesses can’t just press “pause” when new technologies emerge or as trends and external conditions change. So often, retailers must adjust their approach mid-stride, and deciding on your next step can be a challenge.

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Article

03/22/2022

Small Businesses Can Deliver Big with Synchrony

Retail is always evolving, but one thing remains true: retailers and small businesses who can meet the needs of their customers — and say “yes" more often — grow faster.

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Article

03/09/2022

Tips for small businesses to plan and prepare for the year ahead

The retail landscape is ever-changing and running a successful business means planning and evolving your strategies. By staying ahead to provide what today’s shopper wants, you can help keep your business strong, engage with customers, and keep making t

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Article

12/16/2021

Economic Evolution: Five Trends Primed to Disrupt Payments

Purchasing patterns are changing with today’s economy, and both retailers and consumers continue to adapt and adjust.

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Article

12/16/2021

The Future of Contactless Payments is Already Here

How likely are you to use contactless payment while shopping? Are you concerned about making purchases with your phone?

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Article

04/01/2021

Three Commitments I'm Making as CEO

Brian Doubles shares a few thoughts on his first day as Synchrony’s President and Chief Executive Officer.

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Article

11/12/2020

How to Boost Long-Term Loyalty as Consumer Habits Shift

Customers expect rewards, points and discounts. Brands that can offer more, will benefit with increased customer interactions. Our experts weigh in.

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Article

10/19/2020

The ideas and technology underpinning today’s customer experiences

You’re probably looking for something intuitive, something that anticipates your needs and is always integrating new features that keep you interested and coming back again and again. Something easy, fun.

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Article

10/16/2020

How A.I. Can Unlock the Opportunities of a New Shopping Era

Retail has changed and businesses across the board will need to adapt to shoppers’ changing expectations. Learn from Greg Simpson, Chief Technology Officer at Synchrony, how A.I. can help.

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Article

10/16/2020

Technology + Humanity: Keys to the Future of Customer Service

Digital-first environments are increasingly important to customers, but that doesn’t mean businesses have to lose their human touch. Learn how customer service is evolving.

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Article

10/15/2020

Building a Better World: In Support of the BRT’s Call for Racial Equity & Justice

CEO Margaret Keane shares some thoughts on how Synchrony is taking action and working to advance racial equity & justice.

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Article

09/09/2020

The Power of Community-Supported Business

It’s been a head-spinning time for businesses — but many are staying strong with the help of their communities. We talked to businesses about how they evolved with local support.

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Article

08/07/2020

Maximizing Your Work Force: What You Need to Know

Working from home has accelerated the use of data and cloud-based platforms. Are you equipping your employees with these new technologies? Learn how to maximize your workforce at #StateOfPay.

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Article

08/07/2020

How Appointment-Based Businesses Can Thrive Virtually

From doctors to contractors to hair salon owners, appointment-based businesses are finding innovative ways to deliver their services virtually. Whether it’s providing online consultations or virtual and augmented-reality tools

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Article

08/07/2020

Contactless Payments See Growing Demand

As shoppers focus on safety , the appeal of contactless payments has soared — from tap-to-pay to QR codes and more. “This is exciting,” says Bijayta Berger of Synchrony. “It’s not just a trend — we’ll continue to see consumer adoption.”

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Synchrony

Article

07/21/2020

Statement from Synchrony CEO on Supporting Paid Time Off and Flexibility for Voting

Earlier today, Business Roundtable, an association of CEOs of America’s leading companies, released a statement ...

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Synchrony Helps Small Businesses Recover and Grow

Article

06/11/2020

Synchrony Helps Small Businesses Recover and Grow

Synchrony Foundation Commits $5 million to Support Small Business; New Digital Resource Center Helps Small Business Leaders, Healthcare Providers.

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Man and woman looking at tech demo on tablet

Article

12/16/2019

UConn Stamford and Synchrony Establish Digital Technology Center to Accelerate Innovation in Digital and Mobile

December 16, 2019 – STAMFORD, Conn. – Today, Synchrony (NYSE: SYF) and the University of Connecticut (UConn) expanded their four-year partnership to help advance technology education and digital expertise for next generation leaders.

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A scrolling name tag

Article

10/29/2019

How Identity Thieves Work: Protect Your Information

You may not always see it, but the information and data that makes up your online identity is spread across the internet. Identity thieves know this and seek out the traces that we leave wherever we go...

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Buy and Sell buttons shown with a computer cursor and an illustration of a thief

Article

10/29/2019

6 Ways to Keep Your Digital Savings and Spending Safe

As Americans spend more and more time online, their money is following them onto the web. Money now lives on shopping websites, in online bank accounts...

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Paper dolls cut out of a dollar bill

Article

10/29/2019

How to Keep Your Friendships and Your Budget on Track

Significant differences in incomes or spending habits can complicate relationships. Imagine a group dinner...

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Dollar bills dropping into three buckets

Article

10/29/2019

How Bucketing Can Help You Save More

If you feel like you’re trying to save diligently, but your money is constantly being pulled in different directions, a savings strategy called bucketing may help you. Bucketing is a goal-oriented method in which you segment the money...

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A rocket on a grid, taking off

Article

10/29/2019

Understanding the New FICO Credit Score

The FICO credit score, which was introduced by the Fair Isaac Corporation in 1989, has become a seemingly universal measure of the creditworthiness of an individual. Thirty years after its launch, the score is used in more than 25 countries...

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An image of a log in screen on a fish hook.

Article

10/29/2019

How to Avoid Phishing

Every year the unsuspecting public loses millions of its hard-earned dollars to phishing; the FBI estimates that phishing cost Americans nearly $30 million in 2017 alone. By taking a few simple steps to protect yourself, however...

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One-hundred dollar bill in the shape of a heart

Article

10/29/2019

4 Tips for Dating on a Budget

Money can’t buy love or happiness, but it can buy plenty of expensive nights out. If you’re dating regularly, those pricey outings can add up quickly, taking a bite out of your savings and/or throwing your budget off kilter...

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Colorful money clips

Article

10/29/2019

Debit vs. Credit Card? A Few Rules of Thumb

Your items are scanned and bagged—now it’s time to pay. Do you reach for your debit or credit card? The best choice depends on what you’re buying, where you’re buying it and what your spending habits are...

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 Loyalty

Article

09/24/2019

Emotional Side of Loyalty

Our Emotion-Based Loyalty Study was conducted from November 2018 through February 2019 using...

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Article

09/16/2019

Digital Study Recap 2019

In April 2019, Synchrony conducted a study to track and better understand adoption and interest in new retail technology and gain...

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Synchrony

Article

07/25/2019

Go Big By Looking Small

Location, location, location. The defining adage of the real estate industry has made its way to retail, though these days location is more about knowing...

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Synchrony

Article

07/17/2019

What’s Old is New

State of Pay with Synchrony shows how cameras can do a lot more than keep an eye on merchandise.

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The gift of easier giving

Article

07/02/2019

The gift of easier giving

If occasions for gift-giving are meant to be joyous, why are they often a headache? Whatever the reason – Wedding? Father’s Day? Second cousin’s dog’s wedding? -- there are challenges galore to getting the right gift...

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Loyalty is hot Hot HOT

Article

05/24/2019

Loyalty is hot Hot HOT

The summer season is prime for retailers to tailor loyalty programs. Summertime. The air is warmer. The days are longer. Perfect for barbeques, enjoying the outdoors, and everyone’s favorite pastime: shopping?

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4 trends shaping retail

Article

05/03/2019

Here Today, Here Tomorrow: 4 Trends Shaping Retail

Blink and you might miss it. ...Or so flash-in-the-pan trends tend to go. While some may sound familiar, these tactics are shaping new — and lasting — precedents in retail, delivering speed and innovative experiences.

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Digital Wallets

Article

02/18/2019

How Digital Wallets Create Retail Opportunity

As more people embrace the powerful, convenient tools their phones offer, a growing number of shoppers are leaving their physical cards and wallets at home, opting to transact via mobile instead. Here are some of the core opportunities mobile wallets affo

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Article

02/04/2019

Mobile Wallet Superusers

Digital pioneers are going cash and cardless – and aren’t looking back

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Article

01/07/2019

The State of Pay in 2019

Technology is accelerating the pace of change throughout retail. But in 2019, mobile and artificial intelligence look to be two dominant drivers that will foster enhanced experiences for both the customer and the retailer.

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Driving Loyalty

Article

09/10/2018

Getting to Know You: Driving Loyalty

Loyalty programs used to be simple. The more customers purchased, the more a company rewarded them. But consumers today expect far more from companies to gain their loyalty over the long term.

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Cutting Edge

Article

07/09/2018

The Cutting Edge of Customer Experience is…Apps?

The transformative technology of the next ten years is the same technology that transformed the last ten years: Apps.

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Loyalty

Article

06/08/2018

The 4 Pillars of Loyalty in Customer Lifetime Value

Few metrics better illustrate a company’s wellbeing than Customer Lifetime Value. In previous eras, retailers could employ tried and true loyalty practices that would reliably juice CLV. Today, they are challenged with savvy customers who demand more fo

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Tech Company

Article

05/31/2018

Surprise Retailer, Now You're a Tech Company

Retail has seen some dramatic shifts over the last decade. The dust is starting to settle, though, and a clearer picture is emerging of what tomorrow’s retail landscape may look like. And while there is no magic formula for success, retailers from acros

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Advantages

Article

04/01/2018

5 Advantages of Contextual Commerce

Technology has enabled consumers to purchase whenever and wherever they choose. Retailers who enable this will win the day

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Tech

Article

03/28/2018

Tech is Altering the Retail Landscape at Lightning Speed

Here's some non-news: Retail is evolving. But the speed, extent and direction of retail’s transformation is so drastic that it requires a deeper look.

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Voice Commerce

Article

03/19/2018

Introducing the Audio Wallet: Voice Commerce

The overwhelming success of voice-controlled smart speakers has accelerated the pending widespread adoption of voice commerce.

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