Research & Reports
Research & Reports
Financial Innovation November 15, 2022
Holiday 2022: Gen Z is eyeing buy now, pay later for purchases
With the holiday season upon us, let’s take a closer look at the buy now, pay later (BNPL) plans among the youngest group of shoppers. Bread Financial proprietary researc…
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Report March 15, 2024
The State of the Middle-Class Shopper
The middle class is still an economic force to be reckoned with, making up the…
The middle class is still an economic force to be reckoned with, making up the largest share of shoppers in the United States at 50%, according to a 2022 report by Pew Research Center. In this study, we take a…
March 15, 2024
Report November 24, 2023
The retailer's playbook for financing tools
Customers expect choice. They’ve evolved past the basic desires for retailers…
Customers expect choice. They’ve evolved past the basic desires for retailers to accept cash and cards. In fact, the average customer will use multiple payment and financing types when shopping their favorite retailer…
November 24, 2023
Report November 9, 2023
The modern millennial jewelry buyer
Millennials are shaping the future of the jewelry market, and understanding…
Millennials are shaping the future of the jewelry market, and understanding their preferences and behavior will be key for success today and beyond. Bread Pay™ commissioned an independent study of 500 U.S…
November 9, 2023
Report October 23, 2023
2023 State of the American Shopper Report
Consumers are under pressure — but remain resilient. In our second…
Consumers are under pressure — but remain resilient. In our second annual State of the American Shopper report, we discovered that prolonged inflation has taken a toll on consumers, reducing their purchasing…
October 23, 2023
Report October 11, 2023
Demystifying buy now, pay later
Your customers want options. Take the mystery out of choosing the right ones. …
Your customers want options. Take the mystery out of choosing the right ones. Having the right financing and payment tools available can be the difference between closing the sale and a customer saying they’ll …
October 11, 2023