![](\"https:\/\/fortune.com\/img-assets\/wp-content\/uploads\/2026\/03\/brian-doubles-e1774985501191.jpg?w=2048\")
<\/p>\n<\/p>\n
Every society in human history, regardless of geography, language, or economic system, has had to answer the same question: how do you build something with people whose commitment has to be earned? <\/p>\n
The answer is trust. It is what makes two strangers decide to do business, compels an employee to give more than what is required, and draws a customer back when they have a reason to walk away. At a time when trust in institutions is at an all-time low,\u00a0it remains\u00a0the most valuable asset any institution can hold. Trust is also most fragile at the exact moment innovation is moving fastest,\u00a0and when the pressure to be the first mover is at its peak.<\/p>\n
We live and breathe this reality every minute of every day. One in four Americans has a Synchrony credit card \u2013\u00a0putting Synchrony at the center of real, everyday financial moments: a broken refrigerator, an unexpected medical bill, a purchase that can\u2019t wait. Every one of those moments is a real decision, for both the customer and us. We either earn their trust, or we lose it\u00a0and in financial services, there are no neutral outcomes.<\/p>\n
The foundation of Synchrony\u2019s business is trust. We trust consumers by responsibly extending credit so they can buy the things they want and need. We are trusted by our partners to help grow their businesses by underwriting consumers responsibly, without overextending them. And we are trusted as a means for millions of Americans to build their credit.<\/p>\n
We\u2019re excellent at managing credit risk and underwriting. Yet,\u00a0we disrupted ourselves because we know credit is about more than a single transaction \u2013 it can be transformational.<\/p>\n
It would have been easy to protect what we were good at\u00a0but\u00a0instead, we saw a system that could be improved to give more people access to credit. With that in mind, we built PRISM, our proprietary underwriting system that leverages\u00a0alternative data to expand credit access for people traditional models leave behind. Through this work, Synchrony\u2019s PRISM played a key role\u00a0and we\u2019ve approved more than 180 million accounts since January 2018.<\/p>\n
If PRISM is about using better data to make smarter decisions, AI is enhancing those decisions\u00a0at\u00a0a scale and speed unimaginable a decade ago. That willingness to challenge what we were already good at is the same lens we bring to artificial intelligence. It\u2019s reshaping how we work, how we serve customers, and how we compete.<\/p>\n
Even so,\u00a0technology alone doesn\u2019t create value; it is ultimately people who identify opportunities to build trust. AI helps us scale those insights, act on them faster, and deliver better outcomes. It\u2019s a partnership: people create the vision;\u00a0technology helps bring it to life.<\/p>\n
The model only works,\u00a0though, when the people running it feel trusted enough to use it well. At Synchrony, 92% of employees say management trusts them without constant oversight. That trust fuels better ideas, faster action, and a culture of continuous improvement.<\/p>\n
When employees feel trusted, they also feel accountable. It allows them to try something new. Innovation,\u00a0including having the freedom, expectation, and permission to experiment with new tools \u2013 including AI \u2013\u00a0creates\u00a0better outcomes for our partners and consumers. That\u2019s the environment we work every day to create at Synchrony \u2013 never getting comfortable, always looking for ways to improve.<\/p>\n
We demonstrate this in how we work\u2014and where.\u00a0We never mandated a return to office, instead offering in-person collaboration. At our Stamford headquarters, the majority of our employees are coming in because they recognize the value they unlock and the connections they build when in person. And\u00a0our New York City Experience Center inspires hundreds of partners and employees,\u00a0serving as\u00a0a physical manifestation of what\u2019s possible when you bring people, partners, and technology together. It\u2019s not only an office for employees, but an expression of innovation.<\/p>\n
While challengers will always exist, we all need to focus on what matters most: continuous improvement for our employees, partners, and consumers, centered around building trust. It\u2019s how Synchrony has risen in the Great Place to Work rankings from #37 in 2021 to the top three. This is how we create value not only for our shareholders but for society.<\/p>\n
In the end, innovation is about maintaining the conditions that make trust possible. And the companies that get it right, consistently, are the ones that will endure.<\/p>\n
The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.<\/p>\n
#real #engine #innovation #trust<\/p>\n","protected":false},"excerpt":{"rendered":"
Every society in human history, regardless of geography, language, or economic system, has had to…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[245],"tags":[898,3864,3086,62,6537,196],"_links":{"self":[{"href":"https:\/\/stock999.top\/index.php?rest_route=\/wp\/v2\/posts\/2819"}],"collection":[{"href":"https:\/\/stock999.top\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stock999.top\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stock999.top\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stock999.top\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2819"}],"version-history":[{"count":0,"href":"https:\/\/stock999.top\/index.php?rest_route=\/wp\/v2\/posts\/2819\/revisions"}],"wp:attachment":[{"href":"https:\/\/stock999.top\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stock999.top\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stock999.top\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}