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Affirm has introduced a new AI platform called ‘AdaptAI’ designed specifically for retail partners.

Affirm has unveiled a powerful new platform that leverages artificial intelligence to transform how merchants design and deliver promotions. This innovation is aimed at improving the shopping experience for customers while giving businesses—especially small and medium-sized ones—the tools they need to thrive in a highly competitive digital marketplace.

The platform uses advanced AI algorithms to analyze customer behavior, preferences, and purchasing patterns in real time. By understanding what shoppers are most likely to engage with, merchants can create highly targeted promotions that resonate with their audience. This level of personalization not only enhances customer satisfaction but also drives stronger engagement and higher conversion rates.

One of the platform’s biggest advantages is its simplicity. Merchants can easily set up campaigns, adjust offers, and optimize deals on the go using real-time insights. This ensures that customers receive promotions that are not only relevant but also timely—making them far more effective compared to generic discounts.

Traditionally, access to this type of sophisticated, data-driven marketing technology was limited to large enterprises with extensive resources. Affirm’s initiative changes that by democratizing AI-powered promotional tools, giving small and mid-sized businesses a competitive edge. By enabling these businesses to create meaningful, personalized shopping experiences, Affirm empowers them to compete more effectively against bigger players.

Ultimately, this launch underscores Affirm’s commitment to innovation and merchant success. By combining financial technology with cutting-edge AI, the company is not only helping businesses grow but also elevating the overall consumer shopping journey—making it smarter, more personalized, and more rewarding.

Key Takeaways

• The platform utilizes AI to analyze customer behavior and preferences.  
• Merchants can create targeted promotions to attract buyers effectively.  
• Easy setup for promotions requires minimal technical knowledge.  
• Offers insights and recommendations for understanding audience preferences.  
• Affirm aids businesses in enhancing marketing efforts with AI tools.  
• Saves time and boosts success chances in a competitive market.

Affirm Launches AdaptAI to Deliver Smarter, Personalized Checkout Offers in Real Time

San Francisco, CA – April 30, 2025 – Affirm Holdings, Inc. (NASDAQ: AFRM), a leader in transparent payment solutions, today announced the launch of AdaptAI, its next-generation artificial intelligence platform designed to personalize checkout offers in real time. By analyzing live customer data streams—including purchase history, browsing behavior, and broader market trends—AdaptAI creates smarter financing options and promotional deals that are tailored to each shopper’s unique preferences, making online shopping more affordable and rewarding.

AdaptAI provides shoppers with flexible payment choices that reduce costs and improve transparency. For example, a customer purchasing an $800 laptop could be offered a 12-month plan at 15% APR ($72.21 per month, $866 total)—saving over $100 compared to the nearly $970 cost of a traditional 20% APR credit card. A fashion enthusiast buying $500 designer shoes may see a 0% APR, five-month plan ($100 per month), while families investing in a $1,200 refrigerator might receive flexible repayment options such as six months at 0% APR ($200 per month) or 18 months at 12% APR ($78 per month). These highly personalized offers are delivered instantly at checkout, ensuring customers always receive timely, relevant, and transparent deals.

For merchants, AdaptAI represents a powerful growth engine. By presenting smarter financing options, businesses can expect higher conversion rates, larger average order values, and lower cart abandonment. Traditionally, such advanced AI-powered marketing tools were only accessible to large enterprises, but Affirm’s launch of AdaptAI levels the playing field by giving small and medium-sized businesses access to enterprise-grade personalization technology at no extra cost.

“With AdaptAI, we are redefining what it means to shop online,” said Max Levchin, Founder and CEO of Affirm. “For consumers, it means smarter, fairer, and more transparent financing options that are tailored to their needs. For merchants, it means unlocking new opportunities for growth by engaging customers in more relevant and timely ways. This is the next chapter of our mission to make commerce more accessible, honest, and rewarding for everyone.”

The launch of AdaptAI comes as the global buy now, pay later (BNPL) market is projected to exceed $680 billion in transaction volume by 2026, highlighting the growing demand for flexible, data-driven payment solutions. By combining artificial intelligence with its trusted BNPL model, Affirm is positioning itself as both a financing provider and a personalization partner for merchants, helping businesses of all sizes compete in a rapidly evolving digital economy.

Adapt AI is now available to Affirm’s network of partner merchants across the United States and will expand to international markets in the coming year.

About Affirm

Affirm Holdings, Inc., founded in 2012 by Max Levchin—best known as the co-founder of PayPal—is a leading U.S. financial technology company that has transformed how consumers pay for goods and services by introducing transparent, flexible installment options.

Headquartered in San Francisco, Affirm processed its first loan in 2013 and quickly gained momentum by partnering with major retailers across industries, including fashion, electronics, travel, home goods, and more.

Its mission is to deliver honest financial products that improve consumers’ lives by removing the stress of lump-sum payments and the pitfalls of hidden fees often associated with credit cards. Affirm emphasizes clarity: customers always see the full cost of their purchase upfront, with no late fees, compounding interest, or surprise charges.

Over the years, this consumer-first approach has helped Affirm grow into one of the most recognized brands in the “buy now, pay later” (BNPL) sector, a market projected to exceed $680 billion globally by 2026. In January 2021, Affirm went public on the Nasdaq under the ticker AFRM, raising over $1.2 billion in its initial public offering and signaling its arrival as a major fintech player. Since then, the company has expanded its merchant network to tens of thousands of retailers, from household names like Amazon, Walmart, and Peloton to thousands of small and medium-sized businesses.

Beyond its core installment loans, Affirm has continued to innovate with new technologies such as AdaptAI, launched in April 2025, which leverages artificial intelligence to generate personalized, real-time checkout offers. By blending responsible financing with advanced data science, Affirm is reshaping digital commerce, giving merchants higher conversion rates and average order values while empowering consumers to shop with confidence. More than a decade after its founding, Affirm remains committed to its mission: to deliver financial products that are transparent, accessible, and designed to help people live better without falling into debt traps.

Conclusion

Affirm’s new AI promotion platform helps merchants improve their marketing. With this advanced technology, businesses can create personalized promotions that connect with customers. This not only increases sales but also builds customer loyalty through tailored offers. As retail changes, using tools like this will be important for staying competitive. Merchants should explore this platform to enhance their promotional efforts.

FAQs

What is the Affirm AI-Powered Promotion Platform?

The Affirm AI-Powered Promotion Platform is a tool designed for merchants that leverages artificial intelligence to create and manage promotional offers, optimizing marketing strategies to increase customer engagement and sales.

How does the platform benefit merchants?

Merchants can benefit from personalized promotions tailored to their customer base, leading to higher conversion rates, improved customer retention, and enhanced overall sales performance.

Is there a cost associated with using the platform?

While some features of the platform may be free, additional premium features or advanced analytics may come with a fee. Merchants should check the pricing details on the website for specific information.

Can I integrate this platform with my existing e-commerce system?

Yes, the Affirm AI-Powered Promotion Platform is designed for easy integration with various e-commerce systems, allowing merchants to seamlessly incorporate it into their current operations.

What types of promotions can I create using the platform?

Merchants can create a variety of promotions, including discounts, buy-one-get-one offers, loyalty rewards, and time-sensitive deals, all tailored to their audience based on AI insights.

How does the AI determine the best promotions for my business?

The AI analyzes customer behavior, historical sales data, and market trends to identify which promotions are most likely to resonate with your target audience and drive sales.