Alliance Data Systems Corporation (A1LL34)

Overview

Bread Financial Holdings, Inc. is a leader in providing innovative payment and lending solutions across North America, catering to both customers and various consumer-based industries. The company has evolved from its predecessor, Alliance Data Systems Corporation, marking its new identity in March 2022. With its technology-forward approach, Bread Financial Holdings, Inc. focuses on delivering a broad spectrum of financial services including credit card and loan financing, risk management, account origination, and a range of other related services. Its headquarters are situated in Columbus, Ohio, reflecting its longstanding commitment to excellence and customer-centric financial solutions since its inception in 1995.

Products and Services

• Credit Card and Loans Financing:

  Bread Financial Holdings, Inc. offers diverse financing options catering to the needs of private label and co-brand credit card programs. This includes a comprehensive suite of services ranging from risk management to account origination and funding. These programs are designed to support consumer purchases, offering flexible payment options and financial accessibility.

• Bread Partnerships:

  Through its innovative Bread partnerships, the company extends its offering to include installment loans and split-pay products. These financial solutions are tailored to enhance the customer shopping experience, providing manageable payment alternatives that fit various budget requirements.

• Comenity-Branded Products:

  Under the Comenity brand, Bread Financial offers general purpose cash-back credit cards. These products aim to reward users for their spending, providing benefits such as cash back on purchases, thereby promoting customer loyalty and repeated use.

• Loan Management and Services:

  The company not only originates loans for private label, co-brand, and general-purpose credit card programs but also manages and services these loans. This comprehensive approach ensures a seamless customer experience, from the point of credit provision to ongoing account management.

• Marketing, Data, and Analytics Services:

  Bread Financial leverages advanced data and analytics to offer targeted marketing services. These capabilities allow for the development of customized financial products and services, catering to the unique needs and preferences of different consumer segments.

• Digital Suite and Software Development Kit (SDK):

  An enhanced digital suite, including a unified SDK, marks a significant aspect of Bread Financial's offerings. This toolkit offers merchants and partners access to a wide range of products, promoting credit options early in the shopping experience to drive sales and enhance customer engagement.

• Bread Digital Payments Platform:

  The Bread digital payments platform and its suite of application programming interfaces (APIs) facilitate the integration of online point-of-sale financing and other digital payment products. This allows merchants and partners to offer flexible payment solutions seamlessly, enhancing the online shopping experience for consumers.

• Branded Products:

  The company's product lineup is offered under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM brands. These brands symbolize the company's commitment to financial innovation and customer satisfaction, offering a range of payment and savings options tailored to modern consumer needs.