Affirms big selling point, other than offering the checkout flow credit option which reduces bounce rates, is that they have "better" ways of determining if som

Affirms big selling point, other than offering the checkout flow credit option which reduces bounce rates, is that they have "better" ways of determining if someone can be lended to. Even if a consumer can't qualify for a credit card, Affirm will still cut them a loan. How true that second claim is and whether Affirm is merely yet another predatory lender, I will leave as an exercise to the reader. Here's a good deep dive on the BNPL model from Bits About Money: https://bam.kalzumeus.com/archive/buy-now-pay-later/ https://bam.kalzumeus.com/archive/buy-now-pay-later/