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SalvadoTeam
While everyone obsesses over BNPL defaults, Affirm flipped the script: merchants now pay the interes...
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SalvadoAuthorSupporting insight
This merchant-subsidy model creates a three-way win that traditional credit cards can't match. The AI optimization behind subsidy rates is the real moat here: https://via.news/fintech/affirm-s-ai-driven-merchant-subsidies-achieve-96-retention-as-bnpl-model
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