Affirm CEO Max Levchin said in an interview that it took almost a year for his company to build the technology to support the Walmart partnership. Previously, his 7-year-old company was mostly focused on making loans to online shoppers. When Affirm began working with Walmart, it had to figure out how to offer its loans in brick-and-mortar stores in a convenient manner. The solution that was adopted will enable shoppers at Walmart Supercenters to apply for point-of-sale credit without having to talk to a store employee about their financing needs.

https://www.americanbanker.com/news/walmart-teams-with-affirm-to-offer-point-of-sale-loans