the problem

Affirm shoppers can only checkout with 1 loan, so that means a user must have one or a group of products that are all eligible for the same financing plan. If a user, has products that aren’t eligible for BNPL or products with different financing plans, Affirm will disappear at checkout. The user has to either pay now for all products or turn to our competitors to finish their purchase.

the solution

🛒  Build a flexible checkout that ensures Affirm is always an options at checkout; allowing users to access credit they need

an opportunity for affirm

This project gives Affirm a chance to build a flexible checkout system that allows more users to check out.

• A mixed cart checkout allows users to take advantage of BNPL for all purchase.
• It also increases Affirm's visibility by being an option at more checkouts, thereby building brand loyalty and attracting new customers.
• Implementing this feature will eliminate user frustration from having to abandon a cart or choose a less desirable payment method.
• The increase in cart share will lead to higher conversion rates and improved take-up metrics.

project goal

The team aligned around the following goals:

• Create a scalable vision for mixed cart checkout platform
• Align stakeholders on key features and flows
• Conduct user testing to validate concepts
• Pitch concept car to potential merchant partners

inspiration gathering session

Since this was such a new space for Affirm and the product team, we ran a brainstorming session that would help the team go broad and gather some inspiration. The session was broken into the following phases:

1. a look at direct competitors (other payment and shopping platforms)
2. a look at analogous experiences (ones with many steps, dense information, and high decision making).
3. reflect on our own constraints and requirements

key insights

• We saw both multi-page and single page designs, the key to a successful implementation was
  • offering users guides to move between sections
  • steppers so users know where they are
  • a final summary page before completing checkout