Harry Bartlett's questions to Affirm Holdings (AFRM) leadership • Q4 2025
Question
Harry Bartlett from Rothschild & Co Redburn asked about the pace of international expansion beyond the UK and whether the go-to-market strategy would differ in new regions with lower brand awareness.
Answer
Founder & CEO Max Levchin explained that while the tech platform is reusable, local regulations and licensing require dedicated effort for each new market. He stated the strategy is to expand with existing multinational merchant partners and co-market with them, rather than making large direct investments in brand awareness.