Affirm Holdings Inc.

Affirm Holdings Inc. is a financial technology company that provides a point-of-sale financing platform for consumers. The company's primary purpose is to offer installment loans for retail purchases, facilitating flexible payment plans that allow customers to buy goods and pay over time. This service is particularly popular in the e-commerce sector, as it enables online merchants to increase conversion rates and average order values by offering attractive payment options at checkout. Affirm Holdings Inc.'s platform is integrated with a wide range of retailers, spanning industries such as fashion, electronics, travel, and home goods. The company distinguishes itself by employing a transparent and simple borrowing framework, focusing on consumer-friendly terms without hidden fees or compounding interest, aligning itself with consumer finance trends that emphasize financial literacy and responsible lending. In the financial markets, Affirm Holdings Inc. plays a significant role by innovating digital payment solutions and contributing to the widespread adoption of buy now, pay later (BNPL) models, reflecting shifts in consumer credit preferences and digital commerce strategies.