VANCOUVER, BRITISH COLUMBIA – TheNewswire - OCTOBER 31, 2025 – HI-VIEW RESOURCES INC. (“Hi-View” or the “Company”) (CSE: HVW; OTCQB: HVWRF; FSE: B63) has arranged a non-brokered private placement of up to 5,000,000 units at $0.20 per unit for gross proceeds of up to $1,000,000. Each unit will consist of one common share and half of one transferable common share purchase warrant. Each whole warrant entitles the holder to purchase one additional share of the company at $0.30 per share for a period of 24 mont ...

Affirm is expanding its partnership with New York Life Insurance, a move that highlights how traditional financial giants are deepening their exposure to fintech-driven consumer lending.Under the new agreement, New York Life will purchase up to $750 million worth of Affirm's installment loans through 2026, giving the payments company fresh off-balance-sheet funding to support roughly $1.75 billion in annual loan volume.The deal extends a relationship that began in 2023, when New York Life first started inve ...

Core Industry Trends - Software stocks are benefiting from the digitalization wave and strong adoption of AI, including generative AI and Agentic AI [1] - The proliferation of SaaS, migration to cloud platforms, and demand for hybrid work solutions are major tailwinds for software companies [1] - Increased customer-centric approaches and subscription-based models are driving recurring revenues and affordability for small and medium-sized businesses [5] Factors Supporting Software Stocks - The rise of AI-powered applications in various sectors, including voice recognition and telemedicine, is positively impacting software companies [2] - The adoption of cloud-based services, IoT, AR/VR devices, and 5G deployment is aiding software stock performance [3] - Rising cyber threats are prompting enterprises to invest more in cloud-based security solutions, shifting preference towards software-defined models [4] Company-Specific Insights - CoreWeave is expected to report revenues between $1.26 billion and $1.3 billion, with a year-over-year revenue increase of 207% and a backlog of $30.1 billion [8][9] - BILL Holdings anticipates first-quarter revenues of $390.6 million, reflecting a 9% year-over-year increase, while earnings are projected to decline by 19.1% [11] - Affirm Holdings expects first-quarter revenues of $885 million, indicating a 26.7% year-over-year growth, with earnings per share improving from a loss of 31 cents to a profit of 11 cents [14][15] - Unity Software forecasts revenues of $447.6 million for the third quarter, with a slight year-over-year growth of 0.2% and an expected earnings per share improvement from a loss of 31 cents [17] Strategic Developments - CoreWeave is capitalizing on the generative AI boom, focusing on scaling capacity and enhancing services to drive strong momentum [10] - BILL is leveraging AI to enhance its solutions for SMBs and is integrating generative AI to improve customer experience [12][13] - Affirm is expanding its partnerships and entering new markets, including the U.K. and Western Europe, to drive growth [16] - Unity Software is transitioning its product mix towards the AI-powered Unity Vector platform, which is expected to deliver long-term value despite short-term revenue friction [18][19]

This story was originally published on Payments Dive. To receive daily news and insights, subscribe to our free daily Payments Dive newsletter. Buy now, pay later providers Klarna Group, Affirm Holdings and Afterpay are encroaching on some of the services traditionally offered by banks, such as debit cards and deposit accounts. The companies are using BNPL as a gateway to offer more products to customers and make themselves a one-stop shop for payments and financial services. This strategy widens their con ...

Industry Overview - Mobile payments are transforming financial transactions, moving from physical cash to digital transactions through smartphones, tablets, and wearables, creating a dynamic financial ecosystem [2][3] - The global mobile payments market is projected to grow from $3.84 trillion in 2024 to $26.53 trillion by 2032, reflecting a 27% CAGR, indicating strong momentum in the sector [6] Technological Advancements - Emerging technologies like blockchain and artificial intelligence are enhancing transparency, fraud detection, and transaction speeds, while "super apps" are integrating messaging and shopping into seamless financial experiences [3][4] - Companies are leveraging advanced technologies such as Near Field Communication (NFC) and QR codes to facilitate mobile payments [2] Key Players - Capital One is enhancing its mobile payments leadership with a digital-first banking ecosystem, integrating its mobile app with digital wallets and offering a comprehensive financial hub [8][9][10] - NCR Voyix is innovating in mobile payments for retail and restaurants, introducing solutions like Aloha Pay-At-Table, which improves transaction speed and customer experience [11][12][13] - Affirm is expanding its mobile payments presence through its Buy Now, Pay Later platform, integrating with digital wallets and planning international expansion [14][15][16] - Marqeta is powering mobile payments with its card-issuing platform and has seen a 29% year-over-year increase in total payments volume, while also bridging crypto and fiat transactions [17][18][19] Market Dynamics - The rise of e-commerce and improved digital infrastructure are driving the adoption of modern payment platforms, which serve as comprehensive financial dashboards [5] - Regulatory initiatives are evolving to enhance security, data privacy, and financial inclusion, keeping pace with the rapid growth of mobile payments [6]

Core Viewpoint - Affirm Holdings, Inc. has announced a significant expansion of its partnership with Worldpay, which is expected to enhance its buy now, pay later (BNPL) services and improve its market presence [1][2]. Partnership Expansion - The collaboration integrates Affirm's BNPL services into Worldpay's embedded payments suite for software platforms, allowing SaaS providers to offer Affirm at checkout [2][3]. - Worldpay for Platforms supports over 1,000 SaaS providers and processed more than $400 billion in transactions in the past year [3]. Consumer Benefits - The integration enables merchants to provide consumers with transparent, flexible payment options for purchases ranging from $35 to $30,000, targeting those seeking predictable, interest-free or low-interest payment schedules [3][4]. Executive Insights - Affirm's Chief Revenue Officer, Wayne Pommen, emphasized that the partnership simplifies the shopping process and expands Affirm's reach across various platforms and merchants [4]. - Worldpay's President, Matt Downs, highlighted Affirm's effectiveness in delivering results for businesses and enhancing consumer experiences, making it an ideal BNPL partner [5]. Market Performance - Affirm's stock (AFRM) has seen a significant increase of over 81% in the past year, with shares trading higher by 6.69% to $76.74 recently [6].

Core Insights - Affirm Holdings has announced an expanded partnership with Worldpay to integrate its payment services into software platforms [1] Company Developments - The new deal will allow Affirm to be included in Worldpay's embedded payments offering, enabling software platforms to provide Affirm as a payment option for their merchants [1]

Core Thesis - Affirm Holdings, Inc. is positioned as a leading player in the Buy Now, Pay Later (BNPL) sector, benefiting from a shift towards flexible consumer credit and digital payments [2][3] - The stock is currently trading at an attractive valuation, with a forward free cash flow multiple of 27x, despite expected growth of nearly 28% year over year [3] Business Fundamentals - Affirm's business fundamentals are strong, with growth momentum in its core lending and merchant network segments [2] - The company has a scalable platform, expanding merchant partnerships, and strong consumer engagement, which positions it well against traditional credit systems [3] Market Sentiment - There is a disconnect between Affirm's operational progress and market sentiment, as investors remain skeptical about the sustainability and profitability of the BNPL model [2][3] Financial Outlook - Affirm's disciplined credit underwriting and increasing repeat customer activity indicate improving unit economics and a clearer path to sustained profitability [3] - The long-term thesis suggests that as the market recognizes Affirm's earnings power and cash flow generation, there could be multiple expansions, with a fair value target of $140 per share by early 2027 [4] Investment Opportunity - Affirm represents a high-conviction growth opportunity with a favorable risk/reward profile for long-term investors, especially as macro conditions stabilize for consumer spending [4]

Core Insights - Affirm is enhancing its partnership with Wayfair by integrating its buy now, pay later (BNPL) option into Wayfair's checkout process, aiming to improve customer experience during peak shopping periods [1][2][3] Partnership Expansion - The partnership is being expanded ahead of Wayfair's "Way Day" sales event from October 26 to 29 and the upcoming holiday shopping season, with the initial collaboration dating back to 2017 [2] - Affirm's BNPL solution will now be available for consumers at checkout for various brands under Wayfair, including Joss & Main, AllModern, Birch Lane, and Perigold [3] Consumer Benefits - Affirm allows consumers to split purchases into biweekly or monthly payments, with terms extending up to 36 months and rates starting at 0% APR, making it an attractive option for shoppers [5] - The integration of BNPL options is seen as a natural progression to meet the needs of Wayfair shoppers, who value flexible payment solutions [3][4] Market Trends - Research indicates that rising tariffs and inflation have led consumers to seek flexible payment plans, which has helped maintain demand in the retail sector [6] - The trend of early holiday shopping is also noted as consumers aim to budget more effectively amid economic pressures [6] Competitive Landscape - Affirm is not the only player in the BNPL space; competitors like Sezzle are also promoting their payment options to capture demand during the holiday season [7] - The popularity of BNPL services is growing, particularly for larger purchases such as furniture and home décor, with increasing usage both online and in physical stores [7]

Core Viewpoint - Wells Fargo and other firms have initiated coverage on various companies in the payments and technology sectors, highlighting both challenges and opportunities within these industries [1] Group 1: Payments Sector - Wells Fargo initiated coverage of PayPal (PYPL) with an Equal Weight rating and a price target of $74, noting the sector's struggles due to a shift towards AI-centric stocks and execution issues among companies [1] - Coverage was also initiated for Shift4 (FOUR) and Fiserv (FI) with Equal Weight ratings, indicating a cautious outlook on these companies [1] - Block (XYZ) received an Overweight rating and a price target of $91, with Wells Fargo identifying attractive opportunities despite the sector being challenging for investors [1] - Other companies in the payments sector, including Global Payments (GPN), FIS (FIS), Visa (V), MasterCard (MA), Affirm (AFRM), and Circle Internet (CRCL), were also given Overweight ratings [1] Group 2: Advertising and E-commerce - Deutsche Bank initiated coverage of AppLovin (APP) with a Buy rating and a price target of $705, emphasizing its strong advertising technology and expansion into e-commerce advertising, which is significantly larger than mobile game in-app advertising [1] Group 3: Renewable Energy - Needham initiated coverage of First Solar (FSLR) with a Buy rating and a price target of $286, viewing it as a leading option for investing in U.S. utility-scale solar due to favorable policies [1] Group 4: Technology and Infrastructure - Piper Sandler initiated coverage of Dell Technologies (DELL) with an Overweight rating and a price target of $172, predicting it will benefit from a strong enterprise data center refresh in 2026 and AI infrastructure developments [1] - HP Enterprise (HPE) was also covered by Piper Sandler but received a Neutral rating, indicating a less favorable outlook compared to Dell [1]