[sidr]

Why is this an advantage? The factors in assessing the risk are the creditworthiness of the customer and the amount. Also, I find it hard to believe that the creditworthiness of a customer actually fluctuates fast enough for Affirm to be able to do some arbitrage on it.

[kazanins]

Time of purchase, purchased goods, user behavior during the purchase, etc are additional inputs into a scoring model

[pueblito]

The ol’ Algorithm-as-Patsy strategy. CFPB continues to sleep at the wheel, as designed.