Recently, Apple (AAPL) announced a discontinuation of its "buy now, pay later" service. The third-party offering with companies like Affirm (AFRM) is set to launch later in 2024. What is behind the downside move in the AFRM stock price recently? Andy Swan says that consumers are more likely than ever to trust "buy now, pay later" services. How does Affirm compare to Afterpay, Klarna, and Sezzle?