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Synchrony is leaning into e-commerce, with about a third of its retail-card sales volume now coming through online channels. The strategy is paying off as the private-label credit card issuer reaps the rewards of partnerships with digital powerhouses PayPal and Amazon. But it’s not all smooth sailing. Keane’s business is also feeling the pain of its biggest brick-and-mortar retail partners, including J.C. Penney and Gap Inc.

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