The PayPal cofounder on why his “buy now, pay later” company Affirm is a healthier way to borrow, what caused the techlash, and Elon Musk’s Twitter.
He will talk about credit cards endlessly, and he’ll skillfully bring it all back, every time, to his company Affirm. Its AI-informed loans, he’ll preach, are much better than credit cards. It’s perhaps unsurprising that Levchin would believe in some form of tech to be the solution.
But even while launching Glow, Levchin kept one foot firmly in fintech. In 2012 he founded Affirm, which ushered in a new kind of consumer lending. Sure, PayPal led the charge in convincing the masses to buy stuff online, but so many people still pay for online purchases with a pre-internet product—old-fashioned credit cards. There are 191 million Americans with credit card accounts.
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