Company
Affirm Holdings is a US fintech offering buy-now-pay-later installment loans and a debit card for point-of-sale financing at online and retail checkouts.
Metaview raised a $60M Series C led by Insight Partners, taking its total funding to $110M for AI agents that source and screen job candidates. Its sourcing agent already works in Slack, so teams can trial it on one role before reorganizing recruiters.
Reality
The bank says its new Commerce Media unit will sell brands access to more than 70 million customers based on their spending histories, and cardholders who do not want those ads have to opt out.
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Nearly one in three Americans has financed groceries with buy now, pay later, close to double the share of two years ago. A forthcoming WashU model of retailer profit finds the merchant fee comes back as a higher shelf price for everyone.
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Affirm's eleventh straight quarter above 30% growth was also its most profitable. The $64bn floor guided for fiscal 2027 implies at most 28% growth, and that gap is where the card-displacement argument gets tested.
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Shop Pay Installments now runs in Australia with credit supplied by Affirm's licensed local entity and Shopify selling it as that entity's representative, which buys Affirm merchant reach it never had to hire for.
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A forthcoming Management Science paper models pay-later as a liquidity lever rather than a payments feature, and finds it moves list prices and stocking levels for every buyer.
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Two years of payments on a $1,100 iPhone 17 Pro come to $768. Keeping the phone costs up to $332 more, which is roughly where the apparent saving went.
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Transaction margin grew 15 points faster than revenue in Q2 2026. For lenders and acquirers, that spread is the benchmark, not headline volume.
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