Interestingly Affirm is valued more than Afterpay after their latest cap raise. Their product is inferior and not getting even close the traction of Afterpay. Afterpay has a monopoly position in Australia as well. Affirm has also been around since 2012, much longer than Afterpay. Klarna is even worse- They are copying Afterpay on Istagram with #klarnait (pretty sad actually I feel sorry for them).
