Affirm
Affirm is a buy now, pay later (BNPL) financial technology company that provides point-of-sale installment lending to consumers and payment infrastructure to merchants across the U.S., Canada, and the U.K. The company generates revenue through merchant commissions and consumer interest charges, serving 24.1 million consumers and 419,000 merchants as of September 2025.
36 live briefs
Reclaim plan consideration in wallet-first checkouts
Eligible shoppers are reaching checkout without noticing an available no-interest option. The response must work across merchant-owned layouts, not just one interface
Recover mobile plan confirmations after disclosure reorder
A small final-step drop is removing otherwise qualified shoppers from checkout. The recovery must protect clarity, not merely clicks
Commit one eligibility policy before network certification
Two compliant choices produce different customer and business outcomes. The decision will be embedded across merchant channels and cannot be cheaply reversed
Shape the first-plan relationship metric
The team can keep optimizing first-plan volume without knowing what durable customer success looks like. A clear learning direction changes what gets tested next
Correct a delayed repayment-settlement cash forecast
A small timing defect is distorting daily liquidity decisions. A clear correction restores confidence in available cash without changing customer repayment terms
Shorten refund clearance in receivables forecasts
Slow financial clearance creates avoidable forecasting noise and leaves refunded shoppers uncertain about future installments
Commit a new reserve method without disrupting active plans
A contractual transition must be ready on day one. A flawed handoff could affect funding confidence, reporting accuracy, and shopper repayment continuity
Untangle Pay in 30 margin variation
The business sees meaningful economic variation but lacks a trusted explanation. The next test choice could shape which growth is pursued
Verify signed notice delivery across cutover paths
The cutover cannot be casually rolled back once the old provider retires. Integrity must be demonstrated across paths that are cheap to generate but expensive to prove correct
Identify reliability degradation that harms shopper trust
The wrong reliability target can create impressive recovery metrics without protecting repeat confidence. A focused learning loop can reveal what to defend first
Secure authenticated reminder-link account handoffs
Reliable self-service before a due date reduces avoidable confusion. Weakening access controls to improve conversion would create a different risk
Resolve checkout plan-creation timeout failures
A late response can turn a valid purchase into an uncertain shopper experience. Restoring a consistent response protects completion and trust
Reconcile settlement amounts across plan facts
A localized data-format issue is distorting financial reporting. Quick, auditable correction protects accurate downstream records
Illuminate in-store lifecycle event measurement gaps
The data gap is real, but its most valuable interpretation is unclear. A focused discovery path can prevent broad instrumentation that still fails to answer key questions
Link merchant subsidies to eligible plan settlements
Unmatched promotional records create invoice risk and unclear plan economics. A governed dataset can make exceptions visible before billing deadlines
Validate retained plan history across critical paths
The retention path is fixed and irreversible. The task is to prove essential downstream interpretations survive before historical events are compacted
Recalibrate affordability near payroll cycles
A feature may be mistaking normal payday volatility for repayment risk. Improving it could expand plan access while protecting repayment performance
Isolate assistive-session signals from eligibility decisions
A faulty interaction feature is changing who sees an interest-free plan. A targeted fix can restore access quickly without weakening decision quality
Increase qualified checkout returns after declines
Several explanations fit the same low re-engagement signal. Choosing the right experiment determines whether later access improves or confusion simply moves around
Personalize plan cadence with repayment guardrails
A new model could better match shoppers to payment schedules, but launch changes the evidence needed to prove it is safe. The decision cannot be casually rolled back once exposure begins
Boost Pay in 2 pre-due plan views
A short repayment window leaves little room to recover attention. Better early engagement can reduce avoidable uncertainty before the next payment
Establish post-plan customer relationship value
A declining opt-in rate can be a warning, a preference, or both. The wrong interpretation could create more communication without more value
Improve self-service repayment-status flow adoption
Accurate payment records are not enough if shoppers cannot confidently interpret them. Reducing avoidable contacts protects trust and service capacity
Design migration support routing for active plans
The routing choice becomes part of the merchant’s new experience. A wrong call can leave active-plan shoppers navigating between brands when they need clarity most
Unify bank-debit repayment state records
A new repayment rail needs one authoritative view of each obligation before launch. A wrong state-model decision can create costly, shopper-visible inconsistency
Fix blank first-payment amounts in summaries
A small display defect affects a critical moment of repayment clarity. Fast correction prevents shoppers from treating valid plans as uncertain
Diagnose rising active-plan notification opt-outs
A rising opt-out rate could signal message fatigue or a deeper engagement problem. The next experiment depends on choosing the right explanation
Prevent duplicate plans after terminal recovery
Recovered in-store transactions must remain successful without creating duplicate financial records. Delay raises shopper confusion and merchant reconciliation work
Accelerate merchant refund schedule updates
Slow refund adjustments create real anxiety for shoppers and reconciliation work for merchants. A coordinated path can improve both within the quarter
Safeguard repayment-calendar migration and customer notices
The deadline is fixed, but converted schedules cannot be casually reversed. Success protects clear obligations while keeping the migration on track
Stabilize cancellation notifications within ten minutes
Late notifications make a resolved cancellation feel like an active financial obligation. Recovery protects clarity before confusion turns into disputes
Validate drivers of repeat-plan consideration
A declining repeat-use signal may be a product problem—or simply changing shopper needs. The value lies in choosing the right question before scaling a response
Align mixed-fulfillment Pay in 4 repayment expectations
The launch is defined, but the customer promise is not yet safe to make. A wrong commitment could create long-lived confusion across checkout, fulfillment, and repayment
Prioritize post-refund repeat-use erosion driver
Repeat use drops after refunds, but the cause is uncertain. The product decision is whether to pursue clarity, confidence, or a different underlying outcome
Explain weekend debit timing before and after checkout
A predictable calendar pattern is producing preventable missed payments and uncertainty. Better timing clarity can improve repayment outcomes without pressuring shoppers
Clarify Pay in 30 authorization at checkout
A small misunderstanding is interrupting approved purchases at the final checkout step. Restoring clarity can recover completed plans without weakening informed consent