Bread Financial
3095 Loyalty Circle,
Columbus, 43219, OH,
United States
Columbus, 43219, OH,
United States
1 614-729-4000
Banking and Financial Services
Bread Financial Technographics
Bread Financial Technographics, Software Purchases, AI and Digital Transformation Initiatives
Discover the latest software purchases and digital transformation initiatives being undertaken by Bread Financial and its business and technology executives. Each quarter our research team identifies on-prem and cloud applications that are being used by the 6000 Bread Financial employees from the public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources.
During our research, we have identified that Bread Financial has purchased the following applications: Tungsten AP Invoice Automation for AP Automation in 2018, Workday Absence Management for Absence and Leave Management in 2018, Jack Henry Banking SilverLake for Core Banking in 2021 and the related IT decision-makers and key stakeholders.
Our database provides customer insight and contextual information on which enterprise applications and software systems Bread Financial is running and its propensity to invest more and deepen its relationship with Tungsten Automation , Oracle , SAP or identify new suppliers as part of their overall Digital and IT transformation projects to stay competitive, fend off threats from disruptive forces, or comply with internal mandates to improve overall enterprise efficiency.
We have been analyzing Bread Financial revenues, which have grown to $3.84 billion in 2024, plus its IT budget and roadmap, cloud software purchases, aggregating massive amounts of data points that form the basis of our forecast assumptions for Bread Financial intention to invest in emerging technologies such as AI, Machine Learning, IoT, Blockchain, Autonomous Database or in cloud-based ERP, HCM, CRM, EPM, Procurement or Treasury applications.
Bread Financial Tech Stack and Enterprise Applications
Bread Financial ERP
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| Tungsten Automation | Legacy | Tungsten AP Invoice Automation | AP Automation | ERP | n/a | 2018 | 2018 |
In 2018, Bread Financial implemented Tungsten AP Invoice Automation. The deployment targeted AP Automation to digitalize invoice capture and processing across Accounts Payable and Purchasing, standardizing invoice ingestion, OCR data extraction, rule based validation, three way matching and exception routing. Implementation emphasis was on configuring invoice workflows, supplier onboarding, and automated approval routing to align AP processing with existing PeopleSoft financial business units.
Tungsten AP Invoice Automation was integrated into the PeopleSoft 9.2 FSCM environment running on Oracle 19c OCI Autonomous, leveraging Azure Integration Platform and Arcus file transfer for secure file exchange and system messaging. The implementation included Tungsten e invoicing for India and the GST tax module, and configuration of invoice matching logic, tax handling, and supplier master synchronization to PeopleSoft. The deployment encompassed supplier portal configuration, invoice validation rules, and automated PO and receipt matching capabilities.
The program operated within an agile delivery model with defined sprint planning, functional design reviews, system and UAT testing, and Change Advisory Board representation to manage bundles, patches and cutover activities. Operational scope covered Accounts Payable, Purchasing, eProcurement and Inventory functions, with training for business users and level 2 functional support established to sustain AP Automation processes.
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ERP Financial | ERP |
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2012 | 2013 |
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Expense Management | ERP |
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2014 | 2014 |
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Tax Management | ERP |
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2014 | 2014 |
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Bread Financial HCM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| Workday | Legacy | Workday Absence Management | Absence and Leave Management | HCM | n/a | 2018 | 2020 |
In 2018, Bread Financial implemented Workday Absence Management as part of a coordinated Workday deployment. The implementation was positioned alongside Workday Time Tracking and Workday Payroll modules, and it was managed with leadership from a Global People Analytics & Systems Architect role.
Workday Absence Management was configured to support standard absence and leave workflows, including employee absence requests, approval routing, accrual calculations, eligibility rules, and time off balance tracking. Configuration work emphasized the Absence and Leave Management category capabilities to enforce policy-driven leave types and automated accrual processing while aligning absence records with time tracking and payroll inputs.
Operational integration included internal Workday module linkage to Time Tracking and Payroll for payroll-ready absence data, plus analytics integration using Workday Prism and Tableau for both scheduled and ad hoc reporting. The deployment covered HR, payroll, and benefits functions at a global level, with reporting and dashboards used to surface absence trends and payroll adjacencies.
Governance and operationalization centered on a centralized absence policy model and a reporting cadence maintained by the people analytics function. The Global People Analytics & Systems Architect role drove complex ad hoc and scheduled reporting, developed and maintained dashboards in Prism and Tableau, and mentored analytics staff to sustain absence governance and ongoing system configuration.
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Benefits Administration | HCM |
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2018 | 2020 |
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Candidate Relationship Management | HCM |
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2021 | 2021 |
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Compensation Management | HCM |
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2019 | 2020 |
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Core HR | HCM |
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2018 | 2020 |
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Core HR | HCM |
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2018 | 2018 |
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Interview Scheduling | HCM |
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2021 | 2021 |
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Learning and Development | HCM |
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2018 | 2018 |
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Learning and Development | HCM |
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2015 | 2015 |
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Payroll | HCM |
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2018 | 2020 |
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Recruiting Chatbot | HCM |
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2018 | 2018 |
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Recruiting, Applicant Tracking System | HCM |
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2014 | 2014 |
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Recruiting, Applicant Tracking System | HCM |
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2018 | 2020 |
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Talent Management | HCM |
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2017 | 2018 |
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Talent Management | HCM |
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2018 | 2020 |
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Time and Attendance | HCM |
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2012 | 2012 |
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Time and Attendance | HCM |
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2018 | 2020 |
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Video Interviewing | HCM |
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2018 | 2018 |
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Workforce Analytics | HCM |
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2019 | 2020 |
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Workforce Analytics | HCM |
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2018 | 2020 |
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Workforce Analytics | HCM |
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2021 | 2021 |
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Workforce Management | HCM |
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2019 | 2020 |
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Bread Financial ERP Services and Operations
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| Jack Henry & Associates | Legacy | Jack Henry Banking SilverLake | Core Banking | ERP Services and Operations | n/a | 2021 | 2021 |
In 2021, Bread Financial implemented Jack Henry Banking SilverLake as a Core Banking platform to anchor retail account processing and payment processing workflows across its technology estate. The deployment positioned Jack Henry Banking SilverLake as a core transaction processing engine and ledger authoritative source within the companys banking operations.
The Jack Henry Banking SilverLake implementation was configured to support account lifecycle management, transaction posting, payment processing, and change management controls that align with Core Banking functional patterns. Implementation and operating configurations were evaluated through end-to-end testing of payment processing systems, physical security controls, and change management processes to ensure alignment with IT general control requirements.
The deployment environment included Jack Henry Banking SilverLake alongside other critical systems identified in audit and risk reviews, including VCARS, EDW, EDW Yellow Brick, Synergy DB, AMS, PEP+, and Power curve. Auditors used MS Excel and Python Jupyter to analyze and evaluate over 40 ITGCs and to assess interfaces, data flows, and control boundaries among Jack Henry Banking SilverLake and adjacent data and analytic platforms.
Governance and process controls surrounding the Jack Henry Banking SilverLake implementation were strengthened through targeted SDLC and network security remediation activities. Audit and remediation work that included Jack Henry Banking SilverLake contributed to identification and remediation of critical control deficiencies, improved compliance with SOX, PCI-DSS, and ISO 27001, and produced documented improvements including a 20 percent increase in audit efficiency, a 15 percent reduction in risk exposure, and a 30 percent improvement in the effectiveness of SDLC and network security controls.
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Travel Management | ERP Services and Operations |
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2014 | 2014 |
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Bread Financial AI-Powered Application
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Artificial Intelligence Marketing | AI-Powered Application |
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2022 | 2022 |
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Intelligent Process Automation | AI-Powered Application |
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2022 | 2022 |
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Bread Financial Analytics and BI
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Analytics and BI | Analytics and BI |
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2017 | 2019 |
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Analytics and BI | Analytics and BI |
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2019 | 2020 |
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Analytics and BI | Analytics and BI |
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2017 | 2019 |
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Analytics and BI | Analytics and BI |
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2017 | 2017 |
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Data Warehouse | Analytics and BI |
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2020 | 2020 |
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Bread Financial Collaboration
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Collaboration | Collaboration |
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2022 | 2022 |
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Bread Financial Content Management
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Content Management | Content Management |
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2022 | 2022 |
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Contract Lifecycle Management | Content Management |
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2014 | 2014 |
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Digital Asset Management | Content Management |
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2022 | 2022 |
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Digital Signing | Content Management |
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2022 | 2022 |
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Bread Financial eCommerce
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Shipping Management | eCommerce |
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2009 | 2009 |
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Bread Financial SCM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Inventory Management | SCM |
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2014 | 2014 |
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Bread Financial CRM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Account Based Marketing | CRM |
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2022 | 2022 |
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Call Center | CRM |
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2019 | 2020 |
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Customer Experience | CRM |
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2019 | 2019 |
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Customer Experience | CRM |
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2022 | 2022 |
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Customer Experience | CRM |
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2022 | 2022 |
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Data Management Platform | CRM |
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2022 | 2022 |
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Data Management Platform | CRM |
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2022 | 2022 |
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Data Management Platform | CRM |
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2022 | 2022 |
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Data Management Platform | CRM |
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2022 | 2022 |
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Digital Advertising Platform | CRM |
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2022 | 2022 |
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Marketing Analytics | CRM |
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2022 | 2022 |
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Marketing Analytics | CRM |
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2022 | 2022 |
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Marketing Analytics, Data Management Platform | CRM |
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2023 | 2023 |
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Marketing Automation | CRM |
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2022 | 2022 |
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Marketing Automation | CRM |
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2022 | 2022 |
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Marketing Automation | CRM |
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2022 | 2022 |
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Sales Analytics | CRM |
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2015 | 2015 |
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Sales Automation, CRM, Sales Engagement | CRM |
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2022 | 2022 |
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Tag Management | CRM |
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2022 | 2022 |
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Bread Financial EPM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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EPM | EPM |
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2018 | 2018 |
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Bread Financial ITSM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Application Performance Management | ITSM |
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2017 | 2017 |
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IT Service Management | ITSM |
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2021 | 2021 |
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Bread Financial Procurement
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Procurement | Procurement |
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2014 | 2014 |
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Bread Financial TRM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Governance, Risk and Compliance | TRM |
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2022 | 2022 |
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Governance, Risk and Compliance | TRM |
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2022 | 2022 |
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Bread Financial PaaS
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Apps Development | PaaS |
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2017 | 2017 |
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Apps Development | PaaS |
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2022 | 2022 |
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Extract, Transform, and Load (ETL) | PaaS |
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2020 | 2020 |
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File Transfer Protocol | PaaS |
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2014 | 2014 |
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iPaaS (Integration Platform as a Service) | PaaS |
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2014 | 2014 |
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Transactional Email | PaaS |
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2020 | 2020 |
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Bread Financial IaaS
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Application Hosting and Computing Services | IaaS |
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2017 | 2017 |
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Application Hosting and Computing Services | IaaS |
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2014 | 2014 |
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Application Hosting and Computing Services | IaaS |
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2018 | 2018 |
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Application Hosting and Computing Services | IaaS |
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2020 | 2020 |
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Cloud Storage | IaaS |
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2013 | 2013 |
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Cloud Storage | IaaS |
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2020 | 2020 |
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Content Delivery Network | IaaS |
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2021 | 2021 |
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Content Delivery Network | IaaS |
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2022 | 2022 |
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Content Delivery Network | IaaS |
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2022 | 2022 |
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Content Delivery Network | IaaS |
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2022 | 2022 |
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Data Warehouse Appliance | IaaS |
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2020 | 2020 |
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Database Management | IaaS |
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2020 | 2020 |
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Database Management | IaaS |
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2017 | 2017 |
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Bread Financial CyberSecurity
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
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Identity and Access Management (IAM) | CyberSecurity |
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2020 | 2020 |
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Secure Web Gateways (SWG) | CyberSecurity |
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2013 | 2013 |
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Secure Web Gateways (SWG) | CyberSecurity |
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2019 | 2019 |
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Web Application Firewalls (WAF) | CyberSecurity |
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2021 | 2021 |
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IT Decision Makers and Key Stakeholders at Bread Financial
| First Name | Last Name | Title | Function | Department | Phone | |
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Senior Manager Business Intelligence & Analytic Reporting | Manager | IT | |
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Principal Financial Systems Manager, BI | Manager | IT | |
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Manager BI and DataWarehouse | Manager | Supply Chain | |
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EVP & CFO | CXO | Finance | |
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Senior Manager, Strategic Procurement | Manager | Procurement | |
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Treasurer | Manager | Treasury | |
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Vice President, Corporate Controller | VP | Finance | |
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SVP Finance, Chief Accounting Officer | CXO | Finance | |
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CIO | CXO | Finance | |
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Manager, Corporate Travel | Manager | Finance | |
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Senior Director, Strategic Procurement & Payment Solutions | Director | Procurement | |
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Concur Lead & Processing Support | Manager | Finance | |
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Accounts Payable Manager | Manager | Finance | |
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Senior Vice President Global Human Resources | VP | HR | |
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Sr Director, Benefits | Director | HR | |
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Director of Operations | Director | Finance | |
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Vice President, Information Technology | VP | IT | |
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Chief Financial Officer | CXO | Finance | |
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Workforce Scheduling Manager | Manager | HR | |
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Senior Vice President Global Human Resources | VP | HR | |
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VP, Total Rewards | VP | HR | |
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Sr Manager, HRIS | Manager | HR | |
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Director, Benefits | Director | HR | |
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Chief Financial Officer | CXO | Finance | |
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Chief Information Officer | CXO | IT | |
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SVP, Chief Accounting Officer | CXO | Finance | |
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SVP, Finance | VP | Finance | |
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Accounting Manager | Manager | Finance | |
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Senior Vice President, Chief People and Culture Officer | CXO | HR | |
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Director, HRIS | Director | HR | |
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VP HR Operations | VP | HR | |
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Director, People Strategy & Support | Director | HR | |
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Strategic Planning Manager, Workforce Management | Manager | HR | |
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Senior Director, Talent Development | Director | HR | |
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Talent Acquisition Manager | Manager | HR | |
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Executive, Talent Acquisition | CXO | HR | |
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Corporate Recruiter | CXO | HR | |
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Director, Global Talent Experience + Engagement | Director | HR | |
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Talent Acquisition Manager | Manager | HR | |
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Executive Talent Acquisition | CXO | HR | |
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Senior Director - Global Talent Strategy, Acquisition & Engagement | Director | HR | |
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Chief Data Officer | CXO | IT | |
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Sr Director, Data Engineering | Director | IT | |
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Senior Vice President, Enterprise Data & Analytics | VP | IT | |
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Senior Manager- Data Engineering | Manager | IT | |
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Director, Workforce Management | Director | HR | |
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Director, Benefits, Well-Being, and Financial Programs | Director | HR | |
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VP, HR Operations | VP | HR | |
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Apps Being Evaluated by Bread Financial Executives
APPS RUN THE WORLD tracks software evaluation trends across 2 million companies worldwide, including buyer insights from Bread Financial IT executives and key decision makers. This section highlights Bread Financial's latest recorded technology evaluations, including Okta Identity Cloud for Identity and Access Management (IAM) on 2025-11-26, Five9 Cloud for Call Center on 2025-07-08, and PTC Windchill for Product Lifecycle Management on 2025-02-06. As part of ARTW Buyer Intent and technographics insights, these findings provide useful visibility into the Bread Financial digital transformation priorities and AI adoption trends.
| Date | Company | Status | Vendor | Product | Category | Market |
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| 2025-11-26 | Bread Financial | Evaluated | Okta | Okta Identity Cloud | Identity and Access Management (IAM) | CyberSecurity |
| 2025-07-08 | Bread Financial | Evaluated | Five9 | Five9 Cloud | Call Center | CRM |
| 2025-02-06 | Bread Financial | Evaluated | PTC | PTC Windchill | Product Lifecycle Management | PLM and Engineering |
| 2025-02-06 | Bread Financial | Evaluated |
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Product Lifecycle Management | PLM and Engineering |
| 2025-02-05 | Bread Financial | Evaluated |
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Product Lifecycle Management | PLM and Engineering |
| 2025-01-14 | Bread Financial | Evaluated |
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Payment Processing | ERP |
| 2024-09-05 | Bread Financial | Evaluated |
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Sales Performance Management | SPM |
| 2024-08-16 | Bread Financial | Evaluated |
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BackGround Screening | HCM |
FAQ - APPS RUN THE WORLD Bread Financial Technographics
Bread Financial is a Banking and Financial Services organization based in United States,
with around 6000 employees and annual revenues of $3.84 billion.
Bread Financial operates a diverse technology stack with applications such as
Tungsten AP Invoice Automation, Workday Absence Management and Jack Henry Banking SilverLake,
covering areas like AP Automation, Absence and Leave Management and Core Banking.
Bread Financial has invested in cloud applications and AI-driven platforms to optimize efficiency and growth,
collaborating with vendors such as Tungsten Automation, Workday and Jack Henry & Associates.
Bread Financial recently adopted applications including
Teads Platform in 2023, GumGum in 2022 and Workato in 2022,
highlighting its ongoing modernization strategy.
APPS RUN THE WORLD maintains an up-to-date database of Bread Financial’s key decision makers and IT executives,
available to Premium subscribers.
Our research team continuously updates Bread Financial’s profile with verified software purchases,
vendor relationships, and digital initiatives identified from public and proprietary sources.
Subscribe to APPS RUN THE WORLD to access the complete Bread Financial technographics profile,
including detailed breakdowns by category, vendor, and IT decision makers.