Mar 08, 2023 / 07:00PM GMT
Jon Arfstrom - RBC Capital Markets - Analyst
All right. Thank you, everyone, for being here. Next fireside chat is with Bread Financial. We have Ralph Andretta and Perry Beberman representing the company. And we're going to start -- most of you know, I think, what Bread Financial is all about, but let's have you, Ralph, just give a quick overview, describe Bread, and then we'll go to Perry and show some of the --
Ralph Andretta - Bread Financial Holdings, Inc. - President & CEO
Sure. So we're formerly Alliance Data Systems, but we're a full-spectrum consumer lending, ranging from private label credit cards, co-brand credit cards, direct-to-consumer credit cards, buy now pay later, and pay in four and installment loan. We're also collect deposit, so we're couple of banks. So it's full consumer lending.
Questions and Answers:
Jon Arfstrom - RBC Capital Markets - AnalystOkay. And just to -- we'll get to Perry on the numbers here, but either of you, big picture, what's your assessment of the economy and the
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