Discover Financial Services is a bank holding company as well as a financial holding company. Co. provides digital banking products and services and payment services through its subsidiaries. Co. manages its business activities in two segments: Digital Banking, which includes consumer banking and lending products, mainly Discover-branded credit cards issued to individuals on the Discover Network and other consumer banking products and services, including private student loans; and Payment Services, which includes the PULSE network, Diners Club International and its Network Partners business that provides payment transaction processing and settlement services on the Discover Global Network.