Affirm Launches BoostAI to Optimize Merchant Promotional Financing, Q4 2025 Results Highlight

Affirm announced the launch of BoostAI, an AI tool enabling merchants to A/B test promotional financing programs to maximize sales conversions and lift merchant revenue. The technology complements AdaptAI, its AI-powered rewards platform, and is being used by 47 enterprise and hundreds of SMB customers. Early adopters report 5%–15% higher gross merchandise volume. Q2 2026 results: Revenue $1.12B (+30 YoY), Net Income $129.6M (+61 YoY), GMV $13.8B (+36 YoY). 60% of 0% APR GMV outpaced overall GMV growth, with 65% of loan applications presented with 0% APR and 39% of transactions at 0% APR. The company posted 478,000 active merchants as of December 31, 2025, a 42% YoY increase.