The Overall Value

Synchrony combines real‑time financial processing, multi‑entity flexibility, configurable product modeling, and AI‑driven intelligence into a unified platform. It empowers financial institutions to innovate rapidly, operate efficiently, and deliver modern digital financial services at scale.

What We Do Offer?

We offer Synchrony a lean, modern digital financial‑services core platform that enables financial institutions to launch, operate, and scale products with speed and efficiency. Our platform replaces heavy legacy cores with a streamlined, modular architecture built for today’s digital‑first financial landscape.

Who Is Synchrony Built For?

Synchrony is designed for organizations that need a modern, scalable, and modular financial core to power next‑generation digital services. It serves a broad spectrum of financial and non‑financial players who are building or transforming their digital financial capabilities.

How Synchrony Accelerates Digital Banking Transformation

Synchrony serves as a modern, lean core foundation purpose‑built for institutions undergoing digital banking transformation. It enables banks and financial service providers to shift from legacy, monolithic systems to an agile, modular, API‑driven architecture that supports real‑time digital experiences.

Main Design and Implementation Concepts

Synchrony is engineered on a rigorous financial‑services foundation model, ensuring that every component reflects the formal structures, behaviors, and controls required in modern banking. Its design principles and implementation approach combine conceptual clarity with advanced technology to deliver a next‑generation transactional core.

How Synchrony Is Delivered?

Synchrony is delivered as a complete, ready‑to‑operate platform designed for rapid adoption and long‑term autonomy by the financial services operator. The offering combines technology, expertise, and full ownership transfer to ensure institutions can run, evolve, and extend the platform independently.

Applicable Geographies and Target Markets

Synchrony is designed as a globally deployable financial core, capable of operating in any country or region. Its architecture supports diverse regulatory environments, multi‑currency operations, and distributed data‑sovereignty requirements—making it suitable for both local institutions and global financial service providers.
1. Universal Currency Support
Synchrony can operate with any currency, including:

All FIAT currencies (USD, EUR, GBP, JPY, etc.)
Non‑FIAT digital currencies
Tokenized or invented currencies used in loyalty programs, ecosystems, or closed‑loop environments

This flexibility makes it ideal for markets with complex or evolving monetary ecosystems.
2. Global and Multi‑Regional Deployment
The platform is engineered for deployment in:

Mature financial markets
Emerging economies
Cross‑border digital banks
Multi‑country financial groups
Regional fintech ecosystems

Its modular design allows institutions to adapt the platform to local compliance, product structures, and operational models.
3. Multi‑Country Data Sovereignty Compliance
Synchrony supports distributed data residency, enabling institutions to meet:

Local data‑sovereignty laws
Regional privacy regulations
Cross‑border operational requirements

This makes it suitable for global operators who must maintain data in specific jurisdictions while still running unified services.
4. Ideal for Global Digital and Embedded Finance Expansion
Synchrony is particularly applicable for organizations aiming to:

Launch digital banks across multiple regions
Operate cross‑border payment or wallet services
Build global embedded finance platforms
Support multi‑entity, multi‑currency financial operations

Main Functional Characteristics

Synchrony delivers a comprehensive set of functional capabilities designed to support real‑time, multi‑entity financial operations with high configurability and intelligence. Its architecture enables institutions to design, launch, and operate diverse financial products while maintaining consistency, accuracy, and scalability.

1. Real‑Time, 24×7 Transactional Financial Services

Synchrony processes all financial events in real time, ensuring:

Instant posting and balance updates
Continuous availability with no batch dependencies
Low‑latency transaction execution
Seamless digital customer experiences

2. Multi‑Entity / Multi‑Bank / Multi‑Tenant Operation

The platform supports complex organizational structures, including:

Multiple banks or business units
Multi‑tenant environments
Segregated data and operational boundaries
Shared services across entities when required

This makes it ideal for groups, holding companies, and global operators.

3. Configurable Customer and Account Product Models

Synchrony provides a flexible product‑definition framework that allows institutions to configure:

Customer types and attributes
Account structures and lifecycle rules
Product parameters for deposits, savings, payments, and more
Multi‑currency and multi‑ledger configurations

4. Configurable Lending, Deposit, and Savings Products

The platform supports a wide range of financial products with configurable rules for:

Lending (amortization, interest, fees, schedules)
Deposits and savings (interest calculation, tiering, limits)
Wallets, stored value, and digital accounts
Specialized or custom financial instruments

5. Financial Services Model Factory

A standout capability, the Model Factory enables rapid creation and deployment of multiple financial models by combining:

Customer types
Transaction rules
Currency definitions
Product behaviors
Derived data and integrity constraints

This allows institutions to design new financial constructs quickly and consistently.

6. AI‑Ready Derived Data and Facts

Synchrony generates structured, integrity‑based data that feeds AI modules integrated with the Oracle AI stack. This enables:

Customer insights and segmentation
Predictive analytics for risk, churn, and behavior
Automated operational decisioning
Intelligent workflows and process automation

7. Full Integration with Oracle Database and AI Technologies

The platform leverages Oracle’s enterprise‑grade capabilities to ensure:

High‑performance data processing
Strong transactional integrity
Scalable analytics and AI integration
Secure, compliant data management

The Overall Value

Synchrony is designed for organizations that need a modern, scalable, and modular financial core to power next‑generation digital services. It serves a broad spectrum of financial and non‑financial players who are building or transforming their digital financial capabilities.

All FIAT currencies (USD, EUR, GBP, JPY, etc.)

Non‑FIAT digital currencies

Tokenized or invented currencies used in loyalty programs, ecosystems, or closed‑loop environments

This flexibility makes it ideal for markets with complex or evolving monetary ecosystems. 2. Global and Multi‑Regional Deployment The platform is engineered for deployment in:

Mature financial markets

Emerging economies

Cross‑border digital banks

Multi‑country financial groups

Regional fintech ecosystems

Its modular design allows institutions to adapt the platform to local compliance, product structures, and operational models. 3. Multi‑Country Data Sovereignty Compliance Synchrony supports distributed data residency, enabling institutions to meet:

Local data‑sovereignty laws

Regional privacy regulations

Cross‑border operational requirements

This makes it suitable for global operators who must maintain data in specific jurisdictions while still running unified services. 4. Ideal for Global Digital and Embedded Finance Expansion Synchrony is particularly applicable for organizations aiming to:

Launch digital banks across multiple regions

Operate cross‑border payment or wallet services

Build global embedded finance platforms

Support multi‑entity, multi‑currency financial operations