Bread Financial Research Library
At Bread Financial we are dedicated to keeping a pulse on consumer, industry and macro-economic trends. Our dedicated researchers and thought leaders gather insights and conduct proprietary research studies across multiple topics throughout the year and then cleanly package key learnings into easy reference guides for our partners.
Bread Financial Insights & Proprietary Research Studies
Explore our latest wave of insights and proprietary research studies available for download below.
pay over time content
To better understand consumers’ preferences and expectations in sales financing tools, Bread Financial conducted a study of 4,772 consumers.
To help us better understand what motivates consumers to choose buy now, pay later over other payment types, we conducted a survey of 1,077 Bread Pay users.
seasonal consumer insights
Developed with the intent of getting a preliminary read on consumers' spending and shopping plans for the 2024 holiday season.
Holiday 2023 sales were expected to moderate as shoppers’ resiliency to persistent inflation began to wane, interest rates hiked upward and student loan payments resumed. However a respectable, yet muted, selling season came to fruition for retailers at large.
annual research reports
This report seeks to uncover what makes the American Middle-Class consumer unique - their mindset, their aspirations and their unmet needs.
Prolonged inflation has taken a toll on consumers, reducing their purchasing power and taking a bite out of their wallets. In response, consumers are changing their behaviors: making tradeoffs, challenging their wants vs. their needs and increasingly looking for good deals.
In our inaugural report, The State of the American Shopper (2023), we explored new modern baselines to help us understand the needs, expectations and behaviors for the average American shopper. Six months later, we can see how consumers are evolving.
This report creates a modern baseline for today’s shopper in our post-COVID world, including what the new “average” shopper looks like and how their outlook and behaviors change by life stage.