{
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  "docSlug": "c9132bdf3a96b7cd3f1eef62ca1899cd",
  "documentTitle": "Affirm | Investor Event Presentation Deck | 35 slides",
  "authorId": "affirm",
  "authorName": "Affirm",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-06-01 00:00:00",
  "orientation": "landscape",
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  "pageNumber": 12,
  "pageCount": 35,
  "prevPage": 11,
  "nextPage": 13,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 45,
  "notes": null,
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  "metadataConfidence": 0.9,
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  "slideHref": "/slides/019de515-e071-7404-a74a-eb569f3bfcde/12",
  "deckHref": "/decks/019de515-e071-7404-a74a-eb569f3bfcde",
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      "kind": "chart",
      "text": "Line chart showing merchant fee rates for Core 0% Long, Core 0% Short, Core IB, Pay in 4, and Non-Integrated Virtual Card from 3FQ'21 to 3FQ'23, with rates ranging from 2.5% to 12.5%.",
      "attrs": {
        "series_names": [
          "Core 0% Long",
          "Core 0% Short",
          "Core IB",
          "Pay in 4",
          "Non-Integrated Virtual Card"
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        "x_axis_labels": [
          "3FQ'21",
          "4FQ'21",
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        "y_axis_labels": [
          "2.5%",
          "5.0%",
          "7.5%",
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      },
      "kind": "list",
      "text": "Drivers\nProduct mix - the most important driver of overall MDR\nLoan duration within 0% APR\nMerchant mix",
      "attrs": {},
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      "kind": "source-note",
      "text": "Core 0% Long includes loans with term lengths greater than 12 months and 0% APR; Core 0% Short includes loans with term lengths at least three months long but less than or equal to 12 months and 0% APR; Core IB includes loans with interest from Affirm integrated merchants; Pay in 4 (formerly known as Split Pay) includes loans with 0% APR and 6-8 week term lengths; Non-Integrated Virtual Card includes loans made by Affirm at non-integrated merchants using Affirm's virtual card technology; excludes loans made in Canada via Affirm or legacy Paybright business and excludes Returnly and Debit+ Card transactions. Metrics are unaudited.",
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      "kind": "subtitle",
      "text": "MDR has been stable on a like-for-like product basis",
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      "text": "Illustrative merchant fee rates",
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      "arcName": "The Sequoia Pitch",
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      "name": "Cost Of Inaction",
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      "bestFor": "Urgent budget requests, compliance, risk mitigation",
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      "evidence": "The deck presents revenue buildup and monetization strategies to show the benefits of Affirm's approach",
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      "objective": "Highlighting the importance of Affirm's solution",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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