Discover Financial Services is a digital banking and payment services company. It manages business activities in two segments: Digital Banking and Payment Services. The Digital Banking segment includes consumer banking and lending products, specifically Discover credit cards issued to individuals on the Discover Network and other consumer banking products and services, including private student loans, personal loans, home loans, and deposit products. The Payment Services segment includes PULSE, Diners Club, and Network Partners business, which provides payment transaction processing and settlement services on the Discover Global Network.