Affirm's 39% Zero-Interest Rate Reveals BNPL's AI-Driven Merchant Subsidy Strategy
Affirm processes 39% of transactions interest-free through merchant subsidies, a strategy driving revenue growth ahead of volume expansion. The platform maintains 96% repeat customer rates while credit performance stays within expectations, suggesting AI optimization balances merchant incentives with credit quality. This subsidy model creates a three-way value alignment that competitors struggle to replicate.
ViaNews Editorial Team (Markets)•