金利ゼロ％で販促するビジネスモデル後払いアプリ「Affirm」
from web3スタートアップラジオ Hosted by DAIJIRO
AffirmはUnited Statesのユニコーン企業。100億ドルに達した。ジャンルはFintech。提供するのは、いわゆる「後払い（Buy Now, Pay Later）」である。 ３つの事業があり、 一つ目はユーザー向けの決済ソリューション。 そして、二つ目は事業者向けのソリューション。 三つ目が、ユーザー向けのアプリである。AffirmのPOSソリューションを使うと、ユーザーは簡単に「分割払い」を導入できる。クレジットカードと違う点は、延滞手数料やペナルティが発生しないこと！ 分割払いを行う際、商品によって通常の金利が発生するケースもあれば、APR（実質年利）ゼロ％というものも存在する。APRとはAnnual Percentage Rate（年換算利回り）の略語、年利は商品、事業者によって0%~30% Affirm https://www.affirm.com/ ヤフーニュース 2020/10/12時点 https://news.yahoo.co.jp/articles/7c1897a375042fec7a45ade242fe1f7b67648887
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