Affirm Holdings Inc at Citi FinTech Conference (Virtual) Transcript
Hello. This is Pete Christiansen from Citi's U.S. payments, processors and IT services team based out of New York.
Today, we're glad to be welcoming Michael Linford, CFO of Affirm. Michael, welcome to Citi FinTech 11. Great to have you here.
Thank you for having me.
Questions & Answers
Well, why don't we start off with a big-picture kind of question? The rise of buy now, pay later has clearly demonstrated that there's a segment of the consumer population that's been underserved, and the category is clearly going mainstream. At the same time, buy now, pay later competitors in the U.S. have continued to expand rapidly. How do you think about Affirm differentiating at both the consumer and merchant level? And why do you think it's, per se, not easy to copy Affirm's approach? Is it simply a case of a
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