Mixed🤖AI EthicsJanuary 1, 2024

Affirm

Affirm AI credit decisions. BNPL underwriting. Financial inclusion vs exclusion.

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Affirm — AI Ethics: MIXED

Affirm AI credit decisions. BNPL underwriting. Financial inclusion vs exclusion.

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Mixed🌈DEIAug 2025

Dropped the phrase "diversity, equity and inclusion" from its annual report. The wording appears in the 10-K filed 2024-08-28 and is absent from the 10-K filed 2025-08-28. The later filing uses "diversity and inclusion" instead.

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Supported🤖AI EthicsFeb 2025

Despite increasing AI use for software engineering, CEO Max Levchin stated in 2025 that Affirm has no plans for AI-spurred layoffs. The company uses AI technology extensively but has rejected framing AI as a justification for workforce reductions, distinguishing it from competitors citing AI as rationale for cuts.

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Opposed📉LayoffsFeb 2023

Laid off 19% of workforce in 2023. BNPL company Max Levchin blamed interest rate environment.

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