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Unified Application



Bread was one of the first players in the Buy Now, Pay Later space, that took a merchant-first approach (compared to our D2C competitors). After being acquired by Alliance Data Systems, a retail credit card provider, leadership wanted to explore the opportunity for consumers to apply for all lending products at once (Bread Installments, Bread SplitPay, and Credit Card)


Provide merchants an all-in-one payment lending solution that not only captures and converts more consumers, but also provides upsell opportunities that increase profitability. 


Lead designer for the project where responsibilities included UX research, design, and strategy.


Does presenting all three products create a "paradox of choice" situation, and/or are users able to effectively compare their options in order to select the payment product that is best for them?

Opportunity Map

I mapped out the opportunities to convert a Bread user to a Card user for 3 different archetypes. 

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Path Exploration by Merchant AOV

High AOV merchants typically offer a card with special financing, low AOV merchants offer a card with Rewards. I worked through the ways these two kinds of cards could be displayed alongside a Bread product that stayed aligned with a shoppers intent.

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User Flows

What scenarios could lead the users down different paths? 

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Initial Insight Testing

I wanted to get some initial insights into what people think when they see two options for financing side by side? Are they confused? Do they think they're the same? Do they gravitate towards or the other?

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  • Bread is the gateway application to the card
  • Highlighting that the pay-over-time option is provided by a 3rd party reduced the confusion over whether or not the card and the pay-over-time product were the same thing. 
  • Even though "iPAY" is more expensive, it still attracts consumers because it doesn’t come with the commitment of a credit card

Remove the Card Bias

The business wanted to drive more users to their credit card, and with a 0% APR offer I wondered how we could get users to view the card in a better light. How can we get users to see that even though they are different ways of financing, in the end they provide the same service? That in the end the card (in most cases) offers the better APR?

"The mere act of classification reinforces stereotypes. If you want to weaken some stereotype, eliminate the classification."

-Michael Lewis, The Undoing Project

Initial Concept Testing

I designed and tested some concepts that showcased the products more as options of the same thing, rather than two separate and distinct choices.

The payment plans displayed are product agnostic, since after all Bread and Card financing technically both offer monthly payments. The presentation of the offers was designed in a way to not bias the customer going into the flow. Once presented with their offers, we can make the card product stand out by highlighting it's 0% APR advantage.


Legal & Compliance 

Hitting a Roadblock

Our conversations with the L&C teams made it clear we couldn’t blur the lines between what is a card product and what is Bread on the intro, and presenting monthly payments and APR in a comparative fashion would cause issues with UDAAP.

A Quick Pivot

  • I took what I learned and tried to adapt it to a new concept. 

  • We knew that if we have to display the products as separate, we should clearly display Bread as the 3rd party provider.

  • We can still strive for parity between the products using similar UI constructs.

Rapid Testing

  • A vertical layout on the intro screen, even when product branded, still produced some confusion in terms of conflating the two products, but not as significant as earlier tests.

  • 2 tabs (Bread vs Card) was clearer to users, but in more than a couple cases users didn’t click on the credit card tab.

  • Overall users did not have a hard time comparing their options and weren’t confused or thrown off by seeing all their options together. While the majority said they would be interested in SplitPay, some did consider the credit card as a positive option.

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The Final Concept

From our learnings I designed the below final concept and put it through testing. You'll notice a different UI treatment as this happened at a time when our new branding and design system was kicking off. 

Leading With Intent

Our research showed that we needed an intro page that would change dynamically based on the call to action the user clicked. The offers screen that was presented after the application also took on this behavior, based on what option the user selected on the intro screen.

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