Bread Financial, formerly known as Alliance Data Systems, is a provider of digital payment solutions, loyalty programs and data-driven marketing services for retailers and consumers. Founded in 1996 and headquartered in Columbus, Ohio, the company offers private label credit cards, co-branded credit products and network-branded card services designed to enhance customer engagement and drive sales for its merchant partners.
The company’s core offerings include consumer credit services, digital installment payment options, loyalty platforms and analytics-powered marketing campaigns. Through its proprietary technology stack, Bread Financial delivers customized promotional credit terms and loyalty solutions that help retailers improve customer retention, tailor marketing initiatives and optimize lifetime value.
Bread Financial operates primarily across North America, serving retail partners throughout the United States and Canada. Its digital platform supports both e-commerce and in-store payment experiences across various sectors, including fashion, home goods and specialty retail. By integrating payment capabilities with consumer insights, the company provides end-to-end commerce solutions that address the unique needs of a diverse merchant base.
Under the leadership of President and Chief Executive Officer Michael J. Hanley, Bread Financial has undertaken a strategic transformation, including a rebranding to underscore its focus on digital payments. Guided by an experienced executive team, the company continues to invest in technology innovation, data analytics and strategic partnerships to expand its service offerings and fuel sustainable growth.
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