> "I think there is a 33% chance innovation in the payments industry has a material impact on SYF’s business in the next 10 years" This sentence seems very bro

> "I think there is a 33% chance innovation in the payments industry has a material impact on SYF’s business in the next 10 years" This sentence seems very broad/generalized for a conclusion. 10 years is a long time. 33% is a like a sigma (~coin flip basically). I think there is a 100% chance innovation has an impact on SYF's business over the next 10 years - too soon to say if good or bad impact & too many factors to plot a probability tree with a 10 year horizon. Also: SYF (Synchrony) still has ties to General Electric even though it is technically spun off from GE Capital. SYF's CEO is just the old GE Cap CEO. I think the article should've mentioned that relationship as it influences the business still.