Investors are increasingly worried about the effects of high and sticky inflation, supply chain constraints, labor shortages, and the pace of global economic recovery. In December 2021, the Consumer Financial Protection Bureau (CFPB) launched an inquiry into the practices of five BNPL players, including Affirm. Additionally, it helps embed CrowdStrike's solutions deeper in the customers' ecosystems, thereby making it inconvenient and resource-intensive for them to switch to the competition.