Insights & Innovation

Survey July 17, 2025

Mid-year update: The State of the American Shopper

Shoppers are continuing to show resiliency Tariff concerns and persistent inflation have taken a significant toll on consumers, sapping savings and reducing their purchasing p…

Financial Innovation April 13, 2022

Sun’s out, fun’s out: consumers ready to pay more creatively for leisure activities this…

38% of consumers plan to use Buy Now, Pay Later, installments, cash back/points…

38% of consumers plan to use Buy Now, Pay Later, installments, cash back/points rewards or cryptocurrency to pay for their fun in the warmer months ahead COLUMBUS, Ohio – April 13, 2022 – Bread Financial (NYSE: BFH)…

April 13, 2022

Leadership March 23, 2022

Our new brand: Bread Financial® represents a more focused, unified company

Today is a historic day at our company, as Alliance Data officially rebrands as…

Today is a historic day at our company, as Alliance Data officially rebrands as Bread Financial™. Our new brand reflects the extensive transformational work our leadership team and associates have done over the past…

March 23, 2022

Financial Innovation March 23, 2022

Next-gen impact

From payments to perks, what Gen Z wants Uncovering insights through next…

From payments to perks, what Gen Z wants Uncovering insights through next-gen impact Gen Z is on the cusp of tipping the scales. Due to their sheer size and spending power, this generation is poised to become the…

March 23, 2022

Financial Innovation March 22, 2022

Currency of connection: how emotional relationships drive brand loyalty

Emotional connections are powerful. Humans are social creatures. We’re…

Emotional connections are powerful. Humans are social creatures. We’re inquisitive, curious, and engaging. We seek connections and respond to what’s happening in the world around us. So, it’s not surprising that we…

March 22, 2022

Financial Innovation March 22, 2022

The rules of NextGen loyalty

Examining Gen Z, Millennials, and tomorrow’s loyalty landscape We live in a…

Examining Gen Z, Millennials, and tomorrow’s loyalty landscape We live in a time where change and choice are the only true constants. Their influence on Gen Z and Millennials is simply undeniable. New experiences,…

March 22, 2022