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  "documentTitle": "Affirm | Results Presentation Deck | 51 slides",
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  "authorName": "Affirm",
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  "presentationDate": "2024-02-01 00:00:00",
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      "kind": "list",
      "text": "Revenue and Transaction Costs:\nThe substantial majority of the benefit from our interest-bearing loan pricing initiatives will be realized by second fiscal half 2024.",
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      "text": "Funding:\nEquity Capital Required (“ECR”) as a percentage of Total Platform Portfolio (\"ECR Ratio\") is expected to remain near 5% for the remainder of the fiscal year.\nBased upon the current forward interest rate curve which is embedded in our outlook, the year-over-year change from higher benchmark interest rates will diminish during the remainder of the fiscal year and no longer be a headwind as we exit the fiscal year.",
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      "text": "Product and Go-to-Market Initiatives:\nAffirm Money Account, the business-to-business (B2B) product, and international growth outside of North America are not expected to be material contributors during fiscal year 2024.",
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      "text": "Key Assumptions Incorporated in Outlook",
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