Faster, stronger, future-ready: Bread Financial’s tech transformation

At Bread Financial, we're continually advancing our technology platform to serve you and your customers with greater speed, reliability and security.

Here's a high-level look at where we are in our multi-year technology transformation — and what it means for your business and our shared customers.

Advanced technology as an enabler

We're reshaping how technology powers our partnerships. That includes delivering new capabilities faster, evolving the systems you rely on to support growth and creating better personalized experiences for your customers across every channel.

Focus on value-delivery

Our transformation centers on a few key areas, each designed to deliver real value to you:

• Modern platforms and applications – We're upgrading the digital tools that support your programs, from acquisition experiences to account servicing. The result will deliver enhanced performance and consistency, better testing environments and the ability to launch new features with confidence and greater speed as your needs evolve.
• Cloud-powered infrastructure – We're expanding our public cloud footprint. This will strengthen resiliency, improve scalability and give us a flexible foundation to continue our modernization efforts quickly.
• Advancing cybersecurity– We continually enhance security and are implementing additional controls so the technology behind your programs remains protected.
• A closer, more efficient way of working – We've enabled faster delivery of high-quality capabilities to your customers. By working in tighter alignment, we will bring new products and capabilities to your customers faster and with higher quality.

Powered by the cloud, data and AI

The thread connecting all of this is our investment in the cloud, data and AI. These modern building blocks help us launch capabilities efficiently, serve customers in their channel of choice and continuously raise the bar on the experiences we deliver together.

Bread Financial recently launched a new customer upgrade capability that allows eligible cardholders to seamlessly transition between card products through a digital self-service experience. The solution combines automation, enhanced customer experiences and targeted engagement strategies to help brands deepen customer relationships while creating a more personalized experience. Results thus far have demonstrated strong customer adoption and engagement, reinforcing the value of investing in innovative, customer-centric capabilities.

Let’s keep building together

We're excited about what this transformation unlocks for our partnership, and we'll continue sharing updates as new capabilities come online.