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AFRM - Digital Intermediaries Threaten The Payments Status Quo
Affirm Holdings Inc.
In a digital-first world, the checkout experience unbundles checkout from a physical place, shopping from a particular store (on or offline), and payment using a traditional payment method or issuer.
Alternatives to traditional credit cards are emerging and slowly gaining scale, chipping away at the volume that once went traditional credit card issuers' way.
Digital-first is disrupting pretty much every industry and has the potential to upend traditional firms - even the traditional payments industry.