Julia Ostian

Based on the numbers that were reported by Walmart or Amazon, for example, and I was actually covering the recent earnings of both of these stocks, I didn't see an actual sign for that.

The more people buying and selling on the internet, the more this system will be working and the more this industry will be growing.

I have to say that Affirm is pretty special here and Affirm doesn't have that high interest rates.

Also, it has much less hidden fees than some of the newer and I could say maybe more progressive companies like, for example, Klarna that just had an IPO.

it is not profitable yet.

And that firm is for the last few quarters already.

But I really feel this way because of how risky Klarna still is.

If the company at least would be closer to profitability or would show some of the more tangible results, let's say, I would definitely rethink my decision.

And I think it will come really soon.

Buy now, pay later is a general lifeline for people who need to make a large purchase or even a purchase that currently is not sitting well on their bank account.