Well Positioned to Deliver Sustainable Growth
Proprietary Data and Multidimensional Underwriting
Enable Greater Predictive Precision for a Similar Level of Risk
Synchrony Data
•
100MM+ customers and
billions of transactions
Alternative Data
•
Utility and Telecom Data
• Income Assets/Cash Flow
•
Payday Loan
Credit Bureau Trended Data
•
.
•
Payment/Delinquency History
Inquiries/Time on File
Revolving Balances/Lines
"synchrony
ON
DEMAND
MORE
DATA
DO
REAL-TIME CREDIT
DECISIONING
DEEPER
INSIGHTS
.
Partner-Specific Data
Customer engagement
(e.g., frequency, spend)
• SKU and category spend of basket
Knowing who the customer is and why they are shopping
enables us to make better credit and fraud decisions
Biometric Data
• Device identification and usage
•
Consumer browsing history
Authentication
.
Billions of Synchrony
data points
Third-party customer data
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