fbpx
Wikipedia

Bread Financial

January 06, 2023

Bread Financial Holdings, Inc. is an American publicly traded provider of loyalty and marketing services, such as private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.

Bread Financial Holdings, Inc.
FormerlyAlliance Data Systems Corporation (1996–2022)
TypePublic company
Industryfinancial services
FoundedApril 22, 1983; 39 years ago (1983-04-22)
Headquarters
Columbus, Ohio
,
U.S.
Area served
  • Canada
  • United States
Key people
Ralph Andretta
(President & CEO)
Productscredit cards
Revenue US$4.521 billion (2020)
US$888.4 million (2020)
US$213.7 million (2020)
Total assets US$22.547 billion (2020)
Total equity US$1.521 billion (2020)
Number of employees
~6,000 worldwide (2020)
Subsidiaries
  • LoyaltyOne
  • Alliance Data Retail Services
  • Comenity Bank
  • Comenity Capital Bank
Websitebreadfinancial.com
Footnotes / references
[1]

History

 
Former headquarters in Plano, TX
 
Bread Financial Logo

Alliance Data was formed from the December 1996 merger of two entities: J.C. Penney's credit card processing unit and The Limited's credit card bank operation, named World Financial Network National Bank.[2]

In August 1998, Alliance Data acquired LoyaltyOne, then-branded The Loyalty Group Canada, for $250 million.[3] The deal gave Alliance Data two valuable business enhancements, Canada's Air Miles Rewards Program and the company behind the popular Air Miles program, LoyaltyOne.[4]

In May 2007, The Blackstone Group, a private equity firm, announced plans to acquire Alliance Data.[5][6] In April 2008, Alliance Data terminated the merger agreement with Blackstone Affiliates.[7][8]

Ed Heffernan was promoted to president and CEO of Alliance Data in February 2009, after being with the company since 1998.[9][10][11]

On June 7, 2019, Ed Heffernan resigned as CEO of Alliance Data and was replaced by Melisa Miller, who previously ran Alliance Data's Card Services division. This change in leadership effectively moved Alliance Data's Headquarters from Plano, TX to Columbus, OH.[12]

Melisa Miller held the role for roughly 6 months before being replaced by former CITI executive Ralph Andretta. The current Headquarters is located in Columbus, OH, with 5 additional locations throughout the nation, as well as in Bangalore, India. After the acquisition of Bread finance, Alliance Data decided to divest Loyalty One and Brand Loyalty into their own publicly traded entity known as Loyalty Ventures.[citation needed] Alliance Data changed its name to Bread Financial Holdings, Inc. on March 23, 2022, and its ticker symbol from "ADS" to "BFH" effective April 4, 2022.[13]

Businesses

Alliance Data Card Services

Card Services is a provider of integrated credit and marketing services including private label, co-branded and commercial credit card programs. Alliance Data Card Services manages over 135[14] card programs for retail brands such as Victoria’s Secret, J.Crew, Eddie Bauer, Buckle, HSN, Pottery Barn, Pier 1 Imports, Lexus, Toyota, Williams Sonoma and Wayfair among many others.[15]

In 2011, Alliance Data, in partnership with NICE Systems, was honored with the Operational Leadership Award for its customer care centers by Ventana Research.[16]

Alliance Data Card Services maintains two banks to manage the funding and receivables for its clients' credit programs. In September 2012, the banks rebranded their names from WFNNB (World Financial Network [National] Bank) and WFCB (World Financial Capital Bank) to both operate under the Comenity name, as Comenity Bank and Comenity Capital Bank, respectively.[17]

LoyaltyOne

LoyaltyOne, located in Canada, provides loyalty marketing programs for North American brands in the retail, financial services, grocery, petroleum, travel, and hospitality industries.

Five businesses make up the LoyaltyOne: Air Miles national reward program, in which approximately two-thirds of Canadian households participate;[18] Colloquy; LoyaltyOne Consulting; Precima; and Squareknot.

Hewitt Associates named LoyaltyOne in their "2014 List of the 50 Best Employers in Canada."[19]

Epsilon

Epsilon provides a broad range of loyalty marketing services spanning database marketing, direct mail, email marketing, web development, loyalty programs, analytics, data services, strategic consulting and creative services, among others.

Ad Age has ranked Epsilon among the top marketing services firms and direct marketing agencies for several years, and Epsilon has the distinction as being the Top US Agency From All Disciplines and Top US CRM/Direct Marketing Agencies for 2012.[20][21][22][23] It sends billions of permission-based emails every year.[24] Acquired by Epsilon in 2011,[25] Aspen Marketing Services is a marketing services agency headquartered in Chicago, Illinois[26] with locations in the United States and Canada. In 2012, Epsilon reached an agreement to acquire the Hyper Marketing ("HMI") group of companies, the largest privately held digital marketing services agencies in the United States, for about $460 million.

In March 2011, Epsilon detected unauthorized access to its email database, resulting in the theft of email addresses of its clients' customers.[27][28][29]

In late February 2013, Facebook announced partnerships with four companies, including Epsilon, to help reshape its targeted advertising strategy.[30]

Because of Epsilon's growth over the past several years, the company relocated its headquarters to the former Nokia regional headquarters space in Las Colinas, Texas, near Dallas.[31][32]

In March 2014, 60 Minutes interviewed Bryan Kennedy, chairman and CEO of Epsilon, as part of its segment, "The Data Brokers: Selling Your Personal Information".[33]

In April 2019, Publicis Groupe acquired Epsilon for $4.4 billion. This was the second biggest deal in the history of advertising, behind only Dentsu's $5 billion acquisition of Aegis Group in 2012.[34]

Controversy

In 2010 Epsilon failed to heed warnings to secure data.[35] In March 2011 it was discovered that email addresses from customers of 50 client companies were stolen.[35] The company quickly notified the public about the breach.[36] In June 2011 company executives were called before Congress to answer questions about the security breach.[37]

Company acquisitions and divestitures

  • 1998: LoyaltyOne was acquired by Alliance Data.
  • 2002: Colloquy/Frequency Marketing was acquired by Alliance Data.[38]
  • 2004: Epsilon was acquired by Alliance Data.[39]
  • 2005: Bigfoot Interactive was acquired by Alliance Data.[40]
  • 2006: Abacus was acquired by Alliance Data's Epsilon from DoubleClick.[41]
  • 2008: Heartland Payment Systems acquired Alliance Data's Network Services business.[42]
  • 2008: Vertex acquired Alliance Data’s Utility Services business.[43]
  • 2011: Aspen Marketing Services was acquired by Alliance Data (to be a part of Epsilon).[44]
  • 2012: Alliance Data acquired the $475 million private label credit card portfolio of The Bon-Ton Stores, Inc.[45]
  • 2012: Epsilon acquires Hyper Marketing and agencies Ryan Partnership & Catapult.[46]
  • 2014: Alliance Data acquires BrandLoyalty.[47]
  • 2014: Epsilon acquires Conversant, formerly ValueClick.[48]
  • 2019: Publicis Groupe acquired Alliance Data Systems' Epsilon.[49]
  • 2019: Alliance Data acquired Lon Operations Inc., a digital payments company operating under the trademark Bread.[50]

References

  1. ^ "Alliance Data Systems Corporation 2020 Annual Report (Form 10-K)". sec.gov. U.S. Securities and Exchange Commission. February 26, 2021.
  2. ^ "The InfoTech 100 Companies: Alliance Data Systems Profile". Businessweek.com. 2006-05-31. from the original on 27 June 2010. Retrieved 2010-07-01.
  3. ^ "The Value of Loyalty". 2008.[permanent dead link]
  4. ^ "U.S. database specialist buys The Loyalty Group". 1998-08-03.
  5. ^ Michael Flaherty; Caroline Humer (2007-05-17). "Blackstone to buy Alliance Data for $6.76 billion". Reuters. Retrieved 2010-07-01.
  6. ^ . Paymentsnews.com. Archived from the original on 2011-07-15. Retrieved 2010-07-01.
  7. ^ "Alliance Data Drops Suit to Force Deal". The New York Times. 2008-02-09.
  8. ^ . Paymentsnews.com. Archived from the original on 2011-07-15. Retrieved 2010-07-01.
  9. ^ . Forbes.com. Archived from the original on 2011-01-29. Retrieved 2010-11-22.
  10. ^ Pearson-Hormillosa, Shashana (2010-01-10). "Alliance Data CEO Ed Heffernan taps into his M&A expertise to take big risks in a tough economy". www.bizjournals.com/dallas/. Retrieved 2010-11-22.
  11. ^ "Alliance Data promotes CFO Edward Heffernan to president, CEO; Michael Parks to continue as chairman - update". tradingmarkets.com. 2009-02-18. Retrieved 2010-11-22.[permanent dead link]
  12. ^ "Alliance Data Announces Organizational Changes". Yahoo Finance. Retrieved 2019-06-10.
  13. ^ "Alliance Data is now Bread Financial™". www.finance.yahoo.com. Retrieved 24 March 2022.
  14. ^ ADS. "Client News Release".
  15. ^ Pimlott, Daniel (18 May 2007). "Blackstone seals $8bn deal for credit card group ADS". Financial Times. Retrieved 6 November 2012.
  16. ^ . Ventana Research website. 2011. Archived from the original on 2016-05-30.
  17. ^ "Comenity Bank: Private Company Information - Businessweek". Investing.businessweek.com. Retrieved 2014-03-13.
  18. ^ . Aeis.com. Archived from the original on 2009-04-01. Retrieved 2010-07-01.
  19. ^ "Hewitt 50 Best Employers" (PDF). hewittassociates.com.[permanent dead link]
  20. ^ "Awards & Accolades". Epsilon. Retrieved 2014-03-13.
  21. ^ (PDF). Archived from the original (PDF) on 2011-07-10. Retrieved 2010-05-27.{{cite web}}: CS1 maint: archived copy as title (link)
  22. ^ [1] July 17, 2011, at the Wayback Machine
  23. ^ "Advertising Age - April 26, 2010". Adage.coverleaf.com. 2010-04-26. Retrieved 2010-07-01.
  24. ^ "More customers exposed as big data breach grows". Reuters. 2011-04-03.
  25. ^ Elliott, Stuart (25 April 2011). "Epsilon to Acquire Aspen Marketing Services". Media Decoder. The New York Times. Retrieved 8 September 2012.
  26. ^ "Aspen Marketing Services Acquires Newgen Results Corp". destinationcrm.com. 1 October 2007. Retrieved 8 September 2012.
  27. ^ "Massive Breach at Epsilon Compromises Customer Lists of Major Brands". Security Week. 2 April 2011. Retrieved 3 March 2012.
  28. ^ "Epsilon Data Breach: Expect a Surge in Spear Phishing Attacks". PC World. 5 April 2011. Retrieved 3 March 2012.
  29. ^ "Epsilon email security breach widens". The Australian. 7 April 2011. Retrieved 3 March 2012.
  30. ^ "What You Didn't Post, Facebook May Still Know" 26-03-2013
  31. ^ Brown, Steve (2013-08-13). "Nokia leaving high-profile Las Colinas tower; Epsilon moving in". Dallas Morning News. Retrieved 2014-03-13.
  32. ^ "Epsilon moves into newly finished Irving headquarters". Dallas Business Journal. 5 August 2014.
  33. ^ Kroft, Steve (2014-03-09). "The Data Brokers: Selling Your Personal Information". 60 Minutes. Graham Messick and Maria Gavrilovic, producers. CBS Productions. Retrieved 2014-03-14.
  34. ^ Graham, Megan (April 14, 2019). "Publicis announces $4.4 billion deal to acquire data marketing company Epsilon". Graham Messick and Maria Gavrilovic, producers. CNBC. Retrieved 2019-04-14.
  35. ^ a b "Epsilon Fell To Spear-Phishing Attack". Dark Reading. 4 November 2011.
  36. ^ "Firms Adjust to Hacks". Wall Street Journal. 17 June 2011.
  37. ^ Sue Reisinger. "Epsilon Data Management GC on How to Handle Data Breaches". Corporate Counsel.
  38. ^ "Alliance Data Systems Buys Frequency Marketing".
  39. ^ "Alliance Data Systems to Acquire Epsilon Data Management, Inc". Crm2day.com. Retrieved 2010-07-01.
  40. ^ "Epsilon to Snap Up Bigfoot Interactive". ClickZ. 3 October 2007. Retrieved 2014-03-13.
  41. ^ Worldwide Databases (2007-02-01). "Alliance Data'S Epsilon To Acquire Abacus". Entrepreneur.com. Retrieved 2010-07-01.
  42. ^ "Convenience Store News". Csnews.com. Retrieved 2010-07-01.[permanent dead link]
  43. ^ "Energy Risk - Vertex Acquires Alliance Data Utilities, an Interview with John Hall @ RiskCenter: A Financial Risk Management Media Company". Riskcenter.com. Retrieved 2010-07-01.
  44. ^ "Alliance Data's Epsilon Business to Acquire Aspen Marketing Services". prnewswire.com. Retrieved 2012-07-18.
  45. ^ "Alliance Data to buy Bon-Ton's credit card portfolio". Reuters. 2012-06-19. Retrieved 2012-06-19.
  46. ^ "Epsilon goes omnichannel with its acquisition of Hyper Marketing". DMNews. 2012-11-09.
  47. ^ . BrandLoyalty. November 6, 2013. Archived from the original on 2015-02-04. Retrieved 2015-02-04.
  48. ^ "Alliance Data to Acquire Conversant, Formerly ValueClick, for $2.3 Billion". AdvertisingAge. September 16, 2014.
  49. ^ Constable, Simon (2019-04-15). "France's Publicis Groupe to Acquire Alliance Data Systems' Epsilon for $4.4B". TheStreet. Retrieved 2019-04-21.
  50. ^ "Alliance Data Signs Definitive Agreement to Acquire Bread". prnewswire.com. Retrieved 2020-01-14.

External links

  • Official website
  • Business data for Bread Financial Holdings, Inc.:
    • Google
    • SEC filings
    • Yahoo!

January 06, 2023
bread, financial, major, contributor, this, article, appears, have, close, connection, with, subject, require, cleanup, comply, with, wikipedia, content, policies, particularly, neutral, point, view, please, discuss, further, talk, page, december, 2013, learn,. A major contributor to this article appears to have a close connection with its subject It may require cleanup to comply with Wikipedia s content policies particularly neutral point of view Please discuss further on the talk page December 2013 Learn how and when to remove this template message Bread Financial Holdings Inc is an American publicly traded provider of loyalty and marketing services such as private label credit cards coalition loyalty programs and direct marketing derived from the capture and analysis of transaction rich data Bread Financial Holdings Inc FormerlyAlliance Data Systems Corporation 1996 2022 TypePublic companyTraded asNYSE BFHS amp P 600 componentIndustryfinancial servicesFoundedApril 22 1983 39 years ago 1983 04 22 HeadquartersColumbus Ohio U S Area servedCanadaUnited StatesKey peopleRalph Andretta President amp CEO Productscredit cardsRevenueUS 4 521 billion 2020 Operating incomeUS 888 4 million 2020 Net incomeUS 213 7 million 2020 Total assetsUS 22 547 billion 2020 Total equityUS 1 521 billion 2020 Number of employees 6 000 worldwide 2020 SubsidiariesLoyaltyOneAlliance Data Retail ServicesComenity BankComenity Capital BankWebsitebreadfinancial wbr comFootnotes references 1 Contents 1 History 2 Businesses 2 1 Alliance Data Card Services 2 2 LoyaltyOne 2 3 Epsilon 3 Controversy 4 Company acquisitions and divestitures 5 References 6 External linksHistory Edit Former headquarters in Plano TX Bread Financial Logo Alliance Data was formed from the December 1996 merger of two entities J C Penney s credit card processing unit and The Limited s credit card bank operation named World Financial Network National Bank 2 In August 1998 Alliance Data acquired LoyaltyOne then branded The Loyalty Group Canada for 250 million 3 The deal gave Alliance Data two valuable business enhancements Canada s Air Miles Rewards Program and the company behind the popular Air Miles program LoyaltyOne 4 In May 2007 The Blackstone Group a private equity firm announced plans to acquire Alliance Data 5 6 In April 2008 Alliance Data terminated the merger agreement with Blackstone Affiliates 7 8 Ed Heffernan was promoted to president and CEO of Alliance Data in February 2009 after being with the company since 1998 9 10 11 On June 7 2019 Ed Heffernan resigned as CEO of Alliance Data and was replaced by Melisa Miller who previously ran Alliance Data s Card Services division This change in leadership effectively moved Alliance Data s Headquarters from Plano TX to Columbus OH 12 Melisa Miller held the role for roughly 6 months before being replaced by former CITI executive Ralph Andretta The current Headquarters is located in Columbus OH with 5 additional locations throughout the nation as well as in Bangalore India After the acquisition of Bread finance Alliance Data decided to divest Loyalty One and Brand Loyalty into their own publicly traded entity known as Loyalty Ventures citation needed Alliance Data changed its name to Bread Financial Holdings Inc on March 23 2022 and its ticker symbol from ADS to BFH effective April 4 2022 13 Businesses EditAlliance Data Card Services Edit Card Services is a provider of integrated credit and marketing services including private label co branded and commercial credit card programs Alliance Data Card Services manages over 135 14 card programs for retail brands such as Victoria s Secret J Crew Eddie Bauer Buckle HSN Pottery Barn Pier 1 Imports Lexus Toyota Williams Sonoma and Wayfair among many others 15 In 2011 Alliance Data in partnership with NICE Systems was honored with the Operational Leadership Award for its customer care centers by Ventana Research 16 Alliance Data Card Services maintains two banks to manage the funding and receivables for its clients credit programs In September 2012 the banks rebranded their names from WFNNB World Financial Network National Bank and WFCB World Financial Capital Bank to both operate under the Comenity name as Comenity Bank and Comenity Capital Bank respectively 17 LoyaltyOne Edit LoyaltyOne located in Canada provides loyalty marketing programs for North American brands in the retail financial services grocery petroleum travel and hospitality industries Five businesses make up the LoyaltyOne Air Miles national reward program in which approximately two thirds of Canadian households participate 18 Colloquy LoyaltyOne Consulting Precima and Squareknot Hewitt Associates named LoyaltyOne in their 2014 List of the 50 Best Employers in Canada 19 Epsilon Edit Epsilon provides a broad range of loyalty marketing services spanning database marketing direct mail email marketing web development loyalty programs analytics data services strategic consulting and creative services among others Ad Age has ranked Epsilon among the top marketing services firms and direct marketing agencies for several years and Epsilon has the distinction as being the Top US Agency From All Disciplines and Top US CRM Direct Marketing Agencies for 2012 20 21 22 23 It sends billions of permission based emails every year 24 Acquired by Epsilon in 2011 25 Aspen Marketing Services is a marketing services agency headquartered in Chicago Illinois 26 with locations in the United States and Canada In 2012 Epsilon reached an agreement to acquire the Hyper Marketing HMI group of companies the largest privately held digital marketing services agencies in the United States for about 460 million In March 2011 Epsilon detected unauthorized access to its email database resulting in the theft of email addresses of its clients customers 27 28 29 In late February 2013 Facebook announced partnerships with four companies including Epsilon to help reshape its targeted advertising strategy 30 Because of Epsilon s growth over the past several years the company relocated its headquarters to the former Nokia regional headquarters space in Las Colinas Texas near Dallas 31 32 In March 2014 60 Minutes interviewed Bryan Kennedy chairman and CEO of Epsilon as part of its segment The Data Brokers Selling Your Personal Information 33 In April 2019 Publicis Groupe acquired Epsilon for 4 4 billion This was the second biggest deal in the history of advertising behind only Dentsu s 5 billion acquisition of Aegis Group in 2012 34 Controversy EditIn 2010 Epsilon failed to heed warnings to secure data 35 In March 2011 it was discovered that email addresses from customers of 50 client companies were stolen 35 The company quickly notified the public about the breach 36 In June 2011 company executives were called before Congress to answer questions about the security breach 37 Company acquisitions and divestitures Edit1998 LoyaltyOne was acquired by Alliance Data 2002 Colloquy Frequency Marketing was acquired by Alliance Data 38 2004 Epsilon was acquired by Alliance Data 39 2005 Bigfoot Interactive was acquired by Alliance Data 40 2006 Abacus was acquired by Alliance Data s Epsilon from DoubleClick 41 2008 Heartland Payment Systems acquired Alliance Data s Network Services business 42 2008 Vertex acquired Alliance Data s Utility Services business 43 2011 Aspen Marketing Services was acquired by Alliance Data to be a part of Epsilon 44 2012 Alliance Data acquired the 475 million private label credit card portfolio of The Bon Ton Stores Inc 45 2012 Epsilon acquires Hyper Marketing and agencies Ryan Partnership amp Catapult 46 2014 Alliance Data acquires BrandLoyalty 47 2014 Epsilon acquires Conversant formerly ValueClick 48 2019 Publicis Groupe acquired Alliance Data Systems Epsilon 49 2019 Alliance Data acquired Lon Operations Inc a digital payments company operating under the trademark Bread 50 References Edit Alliance Data Systems Corporation 2020 Annual Report Form 10 K sec gov U S Securities and Exchange Commission February 26 2021 The InfoTech 100 Companies Alliance Data Systems Profile Businessweek com 2006 05 31 Archived from the original on 27 June 2010 Retrieved 2010 07 01 The Value of Loyalty 2008 permanent dead link U S database specialist buys The Loyalty Group 1998 08 03 Michael Flaherty Caroline Humer 2007 05 17 Blackstone to buy Alliance Data for 6 76 billion Reuters Retrieved 2010 07 01 Alliance Data To Be Acquired by The Blackstone Group Paymentsnews com Archived from the original on 2011 07 15 Retrieved 2010 07 01 Alliance Data Drops Suit to Force Deal The New York Times 2008 02 09 Alliance Data Terminates Merger Agreement with Blackstone Affiliates Paymentsnews com Archived from the original on 2011 07 15 Retrieved 2010 07 01 Forbes Profile on Ed Heffernan Forbes com Archived from the original on 2011 01 29 Retrieved 2010 11 22 Pearson Hormillosa Shashana 2010 01 10 Alliance Data CEO Ed Heffernan taps into his M amp A expertise to take big risks in a tough economy www bizjournals com dallas Retrieved 2010 11 22 Alliance Data promotes CFO Edward Heffernan to president CEO Michael Parks to continue as chairman update tradingmarkets com 2009 02 18 Retrieved 2010 11 22 permanent dead link Alliance Data Announces Organizational Changes Yahoo Finance Retrieved 2019 06 10 Alliance Data is now Bread Financial www finance yahoo com Retrieved 24 March 2022 ADS Client News Release Pimlott Daniel 18 May 2007 Blackstone seals 8bn deal for credit card group ADS Financial Times Retrieved 6 November 2012 Announcing the Ventana Research 2011 Leadership Awards Ventana Research website 2011 Archived from the original on 2016 05 30 Comenity Bank Private Company Information Businessweek Investing businessweek com Retrieved 2014 03 13 AIR MILES Corporate Incentives Fast Facts Aeis com Archived from the original on 2009 04 01 Retrieved 2010 07 01 Hewitt 50 Best Employers PDF hewittassociates com permanent dead link Awards amp Accolades Epsilon Retrieved 2014 03 13 Archived copy PDF Archived from the original PDF on 2011 07 10 Retrieved 2010 05 27 a href Template Cite web html title Template Cite web cite web a CS1 maint archived copy as title link 1 Archived July 17 2011 at the Wayback Machine Advertising Age April 26 2010 Adage coverleaf com 2010 04 26 Retrieved 2010 07 01 More customers exposed as big data breach grows Reuters 2011 04 03 Elliott Stuart 25 April 2011 Epsilon to Acquire Aspen Marketing Services Media Decoder The New York Times Retrieved 8 September 2012 Aspen Marketing Services Acquires Newgen Results Corp destinationcrm com 1 October 2007 Retrieved 8 September 2012 Massive Breach at Epsilon Compromises Customer Lists of Major Brands Security Week 2 April 2011 Retrieved 3 March 2012 Epsilon Data Breach Expect a Surge in Spear Phishing Attacks PC World 5 April 2011 Retrieved 3 March 2012 Epsilon email security breach widens The Australian 7 April 2011 Retrieved 3 March 2012 What You Didn t Post Facebook May Still Know 26 03 2013 Brown Steve 2013 08 13 Nokia leaving high profile Las Colinas tower Epsilon moving in Dallas Morning News Retrieved 2014 03 13 Epsilon moves into newly finished Irving headquarters Dallas Business Journal 5 August 2014 Kroft Steve 2014 03 09 The Data Brokers Selling Your Personal Information 60 Minutes Graham Messick and Maria Gavrilovic producers CBS Productions Retrieved 2014 03 14 Graham Megan April 14 2019 Publicis announces 4 4 billion deal to acquire data marketing company Epsilon Graham Messick and Maria Gavrilovic producers CNBC Retrieved 2019 04 14 a b Epsilon Fell To Spear Phishing Attack Dark Reading 4 November 2011 Firms Adjust to Hacks Wall Street Journal 17 June 2011 Sue Reisinger Epsilon Data Management GC on How to Handle Data Breaches Corporate Counsel Alliance Data Systems Buys Frequency Marketing Alliance Data Systems to Acquire Epsilon Data Management Inc Crm2day com Retrieved 2010 07 01 Epsilon to Snap Up Bigfoot Interactive ClickZ 3 October 2007 Retrieved 2014 03 13 Worldwide Databases 2007 02 01 Alliance Data S Epsilon To Acquire Abacus Entrepreneur com Retrieved 2010 07 01 Convenience Store News Csnews com Retrieved 2010 07 01 permanent dead link Energy Risk Vertex Acquires Alliance Data Utilities an Interview with John Hall RiskCenter A Financial Risk Management Media Company Riskcenter com Retrieved 2010 07 01 Alliance Data s Epsilon Business to Acquire Aspen Marketing Services prnewswire com Retrieved 2012 07 18 Alliance Data to buy Bon Ton s credit card portfolio Reuters 2012 06 19 Retrieved 2012 06 19 Epsilon goes omnichannel with its acquisition of Hyper Marketing DMNews 2012 11 09 Alliance Data Acquires 60 Percent of BrandLoyalty BrandLoyalty November 6 2013 Archived from the original on 2015 02 04 Retrieved 2015 02 04 Alliance Data to Acquire Conversant Formerly ValueClick for 2 3 Billion AdvertisingAge September 16 2014 Constable Simon 2019 04 15 France s Publicis Groupe to Acquire Alliance Data Systems Epsilon for 4 4B TheStreet Retrieved 2019 04 21 Alliance Data Signs Definitive Agreement to Acquire Bread prnewswire com Retrieved 2020 01 14 External links EditOfficial website Business data for Bread Financial Holdings Inc GoogleSEC filingsYahoo Retrieved from https en wikipedia org w index php title Bread Financial amp oldid 1128629589, wikipedia, wiki, book, books, library,

article

, read, download, free, free download, mp3, video, mp4, 3gp, jpg, jpeg, gif, png, picture, music, song, movie, book, game, games.