Upstart Holdings (UPST) and Affirm Holdings (AFRM) are the two well-known names in the fintech industry. These fintech innovators are using artificial intelligence (AI) to upend traditional lending, offering faster, more efficient and often more inclusive credit solutions.Upstart focuses on AI-driven personal loans, while Affirm is best known for its "buy now, pay later" (BNPL) model. Both target similar customer bases and banking partners, but their approaches, financials and future outlooks differ signifi ...