Buy now, pay later network Affirm is introducing its artificial intelligence-powered platform, AdaptAI, to its merchant partners. Merchants can provide shoppers with personalized, targeted, real-time promotions and credit offers at the point of purchase via the offering. “Unlike conventional credit card rewards — which are opaque, static and subsidized by the financially vulnerable — AdaptAI dynamically matches the right benefit to the right consumer at exactly the right moment,” Affirm Senior Vice President of Product Vishal Kapoor said. “Consumers no longer need to spend more, keep track of, or wait months to recoup their rewards. Now, they can immediately receive tailored, transparent value at the time of purchase. This is only made possible with Affirm’s AI-powered technology and real-time underwriting, and [it] builds on what we do best: delivering customized payment options that help consumers take their money further.” Consumers expect individualized experiences, particularly when paying, leading Affirm — and now its merchants — to offer payment solutions customized to consumers’ purchase and financial profiles.