Bread Financial Holdings, Inc., a tech-forward financial services company, provides payment, lending, and saving solutions for individuals and business customers. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships; and direct-to-consumers (DTC) solutions comprising Bread Cashback credit cards, general purpose credit cards, and the Bread Rewards American Express Credit Cards. The company also manages and services the loans it originates for private label and co-brand credit card programs, and DTC credit cards and Bread Pay products; and provides installment loans and split-pay products, as well as marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit that provides access to its suite of products; and promotes credit payment options earlier in the shopping experience. Further, the company offers a flexible platform and robust suite of application programming interfaces, which allows merchants and partners to integrate online point-of-sale financing and other digital payment products. It provides its products under the Bread, Bread Cashback, Bread Pay, and Bread Savings names. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.