Comparison

Affirm vs ZEN.COM

Two neobanks compared on customer sentiment, app-store ratings and regulation.

Best on sentiment
ZEN.COM
Best on ratings
Affirm
Best on app quality
Affirm
Best on review volume
Affirm
Affirm
sentiment
Google Play
App Store
Trustpilot
View Affirm →
ZEN.COM
sentiment
Google Play
App Store
Trustpilot
View ZEN.COM →
Customer sentiment
NeoBase sentiment
67.5
89.5
BEST
App & store ratings
Trustpilot
1.6 ★
7,801 ratings
4.6 ★
7,549 ratings
BEST
Google Play
4.8 ★
571,854 ratings
BEST
4.5 ★
50,357 ratings
App Store
4.9 ★
1,832,656 ratings
BEST
4.8 ★
22,966 ratings
Total ratings
2.4M
BEST
81K
Service & responsiveness
1-star reviews
1.9%
BEST
7.4%
Replies to reviews
100%
100%
Typical reply time
~9 hours
BEST
~22 hours
Markets served
2
29
BEST
Company
Founded
2012
-
Country
🇺🇸 United States
🇵🇱 Poland
Headquarters
San Francisco, USA
Warsaw, Poland

Recent coverage

Press we captured in the last 90 days: 17 for Affirm, 0 for ZEN.COM. Not scored - coverage volume says how often a brand is written about, not whether it is doing well.

Affirm
ZEN.COM

Affirm vs ZEN.COM: the verdict

Affirm and ZEN.COM are two neobanks tracked by NeoBase. Here is how they compare across the signals we measure - customer sentiment, store ratings and, for exchanges, MiCA regulation.

ZEN.COM leads NeoBase's composite sentiment score, 89.5 to 67.5 out of 100.

Affirm holds the stronger app-store ratings across Google Play and the App Store.

Affirm draws fewer bottom-scored reviews: 1.9% of its Trustpilot ratings are one star, against 7.4% for ZEN.COM.

Across 8 tracked metrics, Affirm comes out ahead on 5.

How is the winner decided?
For each metric we take the higher value - the higher NeoBase sentiment score, the higher store rating, more ratings, and MiCA authorisation over none. Missing data is not counted.
Where does the data come from?
Ratings and sentiment are aggregated from Trustpilot, Google Play and the App Store; regulation from the official ESMA MiCA register. Scores update every month.
Can I compare other {type}?
Yes - open any two {type} profiles from the directory to build a side-by-side comparison.

← All neobanks

NeoBase is an independent information platform, not affiliated with the brands compared. Figures are indicative and update over time.