Bread Financial

Bread Financial is a financial services company specializing in providing personalized payment, lending, and saving solutions. They generate revenue through interest income, fees from credit products, and partnerships with retailers for branded credit programs. Founded in 1996 as Alliance Data Systems, the company rebranded to Bread Financial in 2021 to reflect its expanded focus on consumer-centric financial products. Notably, Bread Financial has a history of innovation in digital payments and loyalty programs, positioning itself as a leader in the fintech space.

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