Is Affirm outgrowing credit cards? Max Levchin explains

AI agents are fundamentally reshaping engineering productivity, allowing developers to accomplish in days what previously took months. This shift enables smaller, agile teams to build sophisticated software, making a computer science degree more valuable than ever. While AI excels at code generation and menial tasks, human judgment remains essential for strategic leadership and authentic communication. Affirm exemplifies this growth, leveraging a metrics-driven approach to provide transparent financial tools that prioritize consumer agency. With gross merchandise volume approaching $50 billion and a clear trajectory toward $100 billion, the company continues to scale by focusing on product velocity and high-quality engineering. Despite the rise of automation, the demand for human-led innovation and the ability to guide AI systems toward meaningful outcomes ensures that human expertise remains the primary driver of technological and business success.