Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Synchrony

synchrony.com

Large national banksBanking

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
641 of 2,219
its rank by overall score
Place in its category
13th of 61 large national banks
Closing balance

Named in

4of 60 answers

by 2 of 4 assistants

Statement note

What this means for Synchrony

AI assistants name this large national bank in 6.7% of answers, while the typical company in its sector is named in 0% of answers. Its overall score is 35 out of 100, ranking 641st of 2,219 in the study. The website passes 3 out of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Synchrony by name. AI assistants named it in 4 of the 60 answers. Counting only how often it is named, it ranks 98th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
35Overall score
  • Visibility17
  • Citations2
  • Sentiment63
  • Site quality87
  • AI readiness21
Summary of account
Named by AI in
6.7%
4 of 60 answers
Share of mentions
57.1%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 3
Rank in its sector
92 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Synchrony came up on 4 of 15 questions. Open any window to read that answer.

  1. 01Common issues with setting up monthly payments for retail financing – how can I resolve them?0/4
  2. 02What type of credit product suits small business owners making frequent equipment purchases?0/4
  3. 03Most recommended high yield savings products for US consumers?1/4
  4. 04What are the best credit card options for financing large retail purchases?1/4
  5. 05Buy now, pay later options versus standard installment loans – which is better for retail shopping?0/4
  6. 06What are good substitutes for traditional retail installment loans?0/4
  7. 07Alternatives to using a credit card for big-ticket retail purchases?0/4
  8. 08Are high yield savings accounts a good option with rising interest rates?0/4
  9. 09Why might a credit application for a retail payment solution get denied?0/4
  10. 10How can pay-in-4 financing benefit consumers during holiday shopping?0/4
  11. 11How does a retail credit card compare to a traditional bank credit card?0/4
  12. 12Are there differences in minimum balance requirements among popular high yield savings accounts?1/4
  13. 13Is it worth opening a dedicated retail credit card for store promotions?0/4
  14. 14Where can US shoppers find promotional financing offers on everyday purchases?1/4
  15. 15Typical interest rates and fees for store-branded credit cards in the US?0/4
Total namedOpenAI: 3/15Claude: 0/15Perplexity: 1/15Gemini: 0/15All assistants: 4/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Perplexity actually said

An answer that names the company

Perplexitynamed the company

“Where can US shoppers find promotional financing offers on everyday purchases?”

US shoppers can find promotional financing offers in several places:

PayPal Credit: Six-month special financing is available on purchases of $149 or more wherever PayPal or the PayPal Mastercard is accepted, subject to approval.

Synchrony HOME retailers: Participating furniture, mattress, appliance, electronics, and home-improvement stores commonly offer 6 months on purchases of $299–$1,998.99 and 12 months on purchases of $1,999 or more; some merchants offer longer terms.

Retailer-branded cards: Stores such as Best Buy advertise flexible financing p …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Share of mentions

CompanyShare
  1. Synchrony
    57.1%
  2. Wells Fargo Retail Services
    28.6%
  3. Comenity
    14.3%
  4. Citi Retail Services
    0.0%
  5. Bread Financial (formerly Alliance Data)
    0.0%
  6. TD Bank Retail Card Services
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    25
  2. 02
    nerdwallet.com
    13
  3. 03
    cnbc.com
    10
  4. 04
    forbes.com
    9
  5. 05
    finance.yahoo.com
    9
  6. 06
    consumerfinance.gov
    7
  7. 07
    experian.com
    5
  8. 08
    files.consumerfinance.gov
    5
  9. 09
    synchrony.com (its own website)
    4
  10. 10
    shopify.com
    4

Synchrony is in the study as a large national bank.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

OpenAI
3/15
Perplexity
1/15
Claude
0/15
Gemini
0/15
Market comparisonSection 06

How Synchrony compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
17

How often AI assistants name the company, and how that compares with its peers

Citations
2

How often AI uses the company's own website as a source

Sentiment
63

How positively AI describes the company

Site quality
87

How well built the website's own pages are

AI readiness
21

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
35
Ranks 92 of 394. Typical company: 28
Named in answers
6.7%
Ranks 98 of 394. Typical company: 0.0%
AI readiness
21
Ranks 199 of 394. Typical company: 29
Against its categorySection 08

Compared with large national banks

61 companies in this category. The gold tick on each bar is the typical company.

Overall score
35
Ranks 13 of 61. Typical company: 27
Named in answers
6.7%
Ranks 18 of 61. Typical company: 1.7%
AI readiness
21
Ranks 27 of 61. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Synchrony publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 9, 2026 · www.synchrony.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

3 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

Share this result

Overall score 35 of 100 badge for Synchrony

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/synchrony.com"><img src="https://aeo-audit.rezolve.com/finance/badges/synchrony.com.svg" alt="Overall score 35 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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