“Can a large-format general merchandise retailer extend its competitive moat by embedding financial services—BNPL, co-branded credit, and digital wallet—directly into its omnichannel shopping experience?”
Founded in 1902 as a Minneapolis dry goods store, the company evolved over decades of retail expansion before launching the Target discount format in 1962. By 2000, the Target brand was so dominant that the entire corporation was renamed Target Corporation. Today Target operates more than 2,000 stores and is the eighth-largest retailer in the United States, with a growing e-commerce and embedded finance presence including BNPL (Affirm) at checkout.
Target's lending and capital products are provided by Affirm.
Target was founded by George Dayton and is founded in 1902, headquartered in Minneapolis, Minnesota, USA.
Get a read on where your own stack stands against Target and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.