{
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  "docSlug": "6bf2cebf4bf44b04b540e97eff6dd551",
  "documentTitle": "Affirm | Results Presentation Deck | 51 slides",
  "authorId": "affirm",
  "authorName": "Affirm",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-11-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 15,
  "pageCount": 51,
  "prevPage": 14,
  "nextPage": 16,
  "slideType": "kpi_overview",
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  "density": "dense",
  "nDataPoints": 40,
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  "slideHref": "/slides/019de517-1504-7222-b28f-f8e006c8ab6d/15",
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        "x": 0.044,
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      },
      "kind": "chart",
      "text": "Line chart showing merchant fee rates for Core 0% Long, Core 0% Short, Core IB, and Pay in 4 from FY Q1'22 to FY Q1'24.",
      "attrs": {
        "series": [
          "Core 0% Long",
          "Core 0% Short",
          "Core IB",
          "Pay in 4"
        ],
        "x_axis_label": "Fiscal Year Quarter",
        "y_axis_label": "Percentage"
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      "kind": "source-note",
      "text": "Notes:\n1. Includes lending transactions with Affirm integrated merchants in the US only\n2. 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; Pay in 4 (formerly known as Split Pay) includes loans with 0% APR and 6-8 week term lengths\n3. Excludes Non-Integrated Virtual Card and Affirm Card interchange rates (which are principally set by card networks), loans made outside of the US, PayNow transactions and Returnly transactions\n4. Metrics are unaudited",
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      },
      "kind": "subtitle",
      "text": "Illustrative merchant fees, transaction fees, and virtual card network fees divided by product level GMV",
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      "kind": "title",
      "text": "Merchant Fee Rates",
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      "beatId": "c5355465-21f0-4a69-b818-3528288ee2c9",
      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Solution",
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      "evidence": "The presentation highlights Affirm's financial performance, including revenue and income",
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      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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