Affirm AI Disclosures | OneBench: AI Insights

Use case or initiative	Area	Direction	Disclosed	Evidence
Engineering re-tooling shifts codebase development to agentic AI Affirm spent a full week re-tooling its software engineering team to be AI-first, which resulted in agentically-written code dominating non-agentic code in weekly pull requests merged immediately after the initiative. Read exact evidence “Earlier this quarter we took a full week as a development team to re-tool Affirm software engineering to be truly AI- first. You can see the difference below, with agentically- written code dominating non-agentic essentially overnight after this effort.” Context: FQ3’26 Shareholder Letter, Developer productivity section	Productivity and efficiency	New disclosure	7 May 2026Earnings releaseSEC EDGAR	Open
Affirm targets tenfold gain in developer productivity via AI Affirm projects that an order of magnitude gain in software development productivity is entirely plausible due to its AI initiatives, though it still expects to modestly grow its development team. Read exact evidence “We think an order of magnitude gain in software development productivity is entirely plausible, yet we expect to modestly grow our development team – the limiting factor for Affirm has always been engineering cycles, not ideas for what to do with them.” Context: FQ3’26 Shareholder Letter, Developer productivity section	AI strategy	Expanding	7 May 2026Earnings releaseSEC EDGAR	Open
Research underway on business-wide AI and ML solutions Affirm is planning cutting-edge AI/ML research designed to be highly accretive to all segments of its business operations. Read exact evidence “We have all sorts of plans for very ambitious new initiatives (some of which will surely not work out), cutting-edge AI/ML research profoundly accretive to all parts of our business, and exciting upcoming partnerships.” Context: FQ3’26 Shareholder Letter, Page 4	Investment and spend	Expanding	7 May 2026Earnings releaseSEC EDGAR	Open

Engineering re-tooling shifts codebase development to agentic AI

Affirm spent a full week re-tooling its software engineering team to be AI-first, which resulted in agentically-written code dominating non-agentic code in weekly pull requests merged immediately after the initiative.

Read exact evidence

“Earlier this quarter we took a full week as a development team to re-tool Affirm software engineering to be truly AI- first. You can see the difference below, with agentically- written code dominating non-agentic essentially overnight after this effort.”

Context: FQ3’26 Shareholder Letter, Developer productivity section

Productivity and efficiency

New disclosure

7 May 2026Earnings releaseSEC EDGAR

Open

Affirm targets tenfold gain in developer productivity via AI

Affirm projects that an order of magnitude gain in software development productivity is entirely plausible due to its AI initiatives, though it still expects to modestly grow its development team.

Read exact evidence

“We think an order of magnitude gain in software development productivity is entirely plausible, yet we expect to modestly grow our development team – the limiting factor for Affirm has always been engineering cycles, not ideas for what to do with them.”

Context: FQ3’26 Shareholder Letter, Developer productivity section

AI strategy

Expanding

7 May 2026Earnings releaseSEC EDGAR

Open

Research underway on business-wide AI and ML solutions

Affirm is planning cutting-edge AI/ML research designed to be highly accretive to all segments of its business operations.

Read exact evidence

“We have all sorts of plans for very ambitious new initiatives (some of which will surely not work out), cutting-edge AI/ML research profoundly accretive to all parts of our business, and exciting upcoming partnerships.”

Context: FQ3’26 Shareholder Letter, Page 4

Investment and spend

Expanding

7 May 2026Earnings releaseSEC EDGAR

Open

Affirm

AI use cases in official disclosures

Engineering re-tooling shifts codebase development to agentic AI

Affirm targets tenfold gain in developer productivity via AI

Research underway on business-wide AI and ML solutions

Engineering re-tooling shifts codebase development to agentic AI

Affirm targets tenfold gain in developer productivity via AI

Research underway on business-wide AI and ML solutions