Affirm raises growth floor to 30%, unveils new AI underwriting model

Affirm has raised its growth floor to 30% and unveiled a new AI-driven underwriting model, signaling a more aggressive stance in the buy-now-pay-later market. The company framed the AI model and growth strategy as a way to sharpen its competitive edge and bolster investor confidence in sustained demand. The move matters because underwriting quality and growth durability are the core debates around BNPL economics, and Affirm is tying both to an AI upgrade. What to watch next is whether the higher growth floor is backed by measurable volume gains and whether the new model shows up in credit performance metrics.