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Affirm Competitive Advantages vs BNPL

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Your question is Affirm Competitive Advantages vs BNPL. Take a moment with it on the right.

Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).

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Problem

How would you respond if a client asked about Affirm's competitive advantages versus other BNPL providers?