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Affirm Holdings, Inc. AFRM and SoFi Technologies, Inc. SOFI are two standout names in the fast-evolving fintech sector. Both cater to Gen Z and millennial consumers, as well as older consumers, through technology-driven financial solutions that blend lending, digital banking, and personal finance. While Affirm primarily focuses on point-of-sale financing through its buy now, pay later (“BNPL”) model, SoFi operates a broader platform, encompassing lending, investing, banking, and tech infrastructure.
With digital financial services becoming more competitive and investors seeking scalable profitability, it is the perfect time to examine these two disruptive players side by side. Let us take a closer look at...