Affirm Holdings is a financial services company that builds a proprietary technology platform for digital and mobile-first commerce. Its point-of-sale solutions allow consumers to pay for purchases in fixed amounts without deferred interest, hidden fees, or penalties. The company also offers commerce solutions that help merchants promote and sell their products, optimize their customer acquisition and marketing strategies, and drive incremental sales. In addition, its consumer-focused app allows users to manage payments, open a savings account, and access a personalized marketplace.