Affirm Revolutionizes Buy Now, Pay Later With Transformer-Based Underwriting Model
By PYMNTS September 17, 2026 Main Facts Fintech giant Affirm has officially launched a next-generation, real-time underwriting model at digital checkouts across the United States. Driven by cutting-edge transformer neural network architecture—the same foundational technology driving modern generative artificial intelligence—this proprietary system is designed to evaluate consumer creditworthiness with unprecedented precision. Rather than relying on…
