The introduction of buy now, pay later (BNPL) services has sparked fresh conversations about how young consumers borrow money. While it's hard to see credit cards disappearing completely, there's also a convincing argument that BNPL has enough staying power to draw investor interest. Affirm (AFRM 3.38%) is one of the companies vying for dominance in a crowded BNPL field. Investors don't like hearing about competition, but all young industries are full of it. It's also an opportunity to examine companies bef ...