Bread Financial Holdings Inc., established in Columbus, Ohio in 1996 and formerly known as Alliance Data Systems Corporation until its rebranding in March 2022, delivers sophisticated payment and lending solutions to consumers and businesses across North America. The company's offerings encompass credit card and various loan financing services, alongside comprehensive risk management, account origination, and funding capabilities. These services support approximately 130 private label and co-branded credit card programs, and are extended to roughly 500 small and medium-sized businesses through its Bread partnerships. Additionally, they provide Comenity-branded general-purpose cash-back credit products. Beyond originating loans, Bread Financial actively manages and services these accounts, including those for private label, co-brand, general-purpose credit card programs, and its "Buy Now, Pay Later" (BNPL) options such as installment and split-pay. The company also offers marketing, data, and analytics support. Technologically, Bread Financial boasts an advanced digital suite, featuring a unified Software Development Kit (SDK) to simplify product access and integrate credit payment options earlier in the customer's purchasing process. Its Bread digital payments platform, enhanced by robust Application Programming Interfaces (APIs), empowers merchants and partners to seamlessly embed online point-of-sale financing and other digital payment solutions, including installment and split-pay, into their operations.