Affirm raised its growth floor to 30% and unveiled a new AI underwriting model. Crypto Briefing reported the two moves together: the former is an increase to its growth target, while the latter is a new model for underwriting. Neither came with further details.
· Underwriting is a core part of how BNPL platforms control bad debt, and changes to the model can directly affect lending standards.
· The report said this could reshape the BNPL market, strengthen Affirm’s competitiveness, and increase investor confidence in sustained demand. This assessment comes from Crypto Briefing, not data disclosed by Affirm.
Would you rather first see how the new model changes loan approval rates, or the period covered by the 30% growth floor?
· Underwriting is a core part of how BNPL platforms control bad debt, and changes to the model can directly affect lending standards.
· The report said this could reshape the BNPL market, strengthen Affirm’s competitiveness, and increase investor confidence in sustained demand. This assessment comes from Crypto Briefing, not data disclosed by Affirm.
Would you rather first see how the new model changes loan approval rates, or the period covered by the 30% growth floor?
