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  "documentTitle": "Affirm | Investor Event Presentation Deck | 35 slides",
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  "authorName": "Affirm",
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  "presentationDate": "2023-06-01 00:00:00",
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      "text": "Stacked bar chart showing Gross Merchandise Volume from 3FQ'21 to 3FQ'23, broken down by 'Pay in 4', '0% APR monthly', and 'Interest bearing'. Values range from $2,257 million to $5,658 million.",
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      "text": "Structural GMV drivers\nU.S. e-commerce spend\nIncreasing BNPL penetration\nExpanding share of cart\nCapturing daily and in-store spend\nInternational expansion",
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      "text": "Product mix drivers\nChanges in merchant mix\nAbility to add new products at existing merchants\nIncreasing adoption of Adaptive Checkout vs. Pay in 4 only",
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      "text": "Temporary GMV drivers\nSeasonality: 2FQ benefits from holiday shopping\nShifts in consumer spend between staples vs. discretionary purchases",
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      "text": "Note: GMV defined as the total dollar amount of all transactions on the Affirm platform during the period, net of refunds. Beginning in Fiscal Q1 2023, Affirm modified the definition of its low Average Order Value product from Split Pay to Pay in 4. Pay in 4 includes volume from loan transactions with 0% APR and 6-8 week term lengths but now excludes volume from monthly installment loans with 0% APR and 3 month term lengths. Metrics are unaudited.",
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      "text": "in $ million by product type",
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