"At Addi, we've been able to leverage AI to grow 4x faster while operating at ~2x the profitability of BNPL peers. This year alone, we've saved more than $500,000 from our AI initiatives. But how have we accomplished such strong AI ROI? The difference between performative AI and AI with returns isn't in which model or tool you're using; it's how your team is using them."
"We run nationwide, admissions-style assessments to find talent in unexpected places (from the Amazon to the Ecuador border), then teach AI-native workflows from day one. From our intern program through our senior leadership, we design our interview process for the AI age. We assign a relevant project-something candidates could use AI to help with-but then have a panel interview where they present their project, ensuring that candidates actually know the ins and outs of their work without an AI aid."
"Our interviews additionally probe into potential candidates' own familiarity with AI tools, while our intern cohorts get hands-on with agents and graduate into teams already expecting that fluency. The pipeline is designed to recruit for an AI era from the get-go, versus being an afterthought once already employed. When it comes to cultivating an AI-native work culture, AI-native is a learned behavior. We invested in extensive AI onboarding and habit-building, pairing every knowledge worker with the right agent or copilot."
Addi leveraged AI to grow 4x faster while operating at about 2x the profitability of BNPL peers and saved over $500,000 from AI initiatives this year. Strong AI ROI resulted from team practices rather than model choice. Hiring emphasizes AI fluency via nationwide assessments, project-based interviews, and intern pipelines that teach AI-native workflows from day one. Culture embeds AI through extensive onboarding, habit-building, and pairing knowledge workers with agents or copilots as the default. More than 90% of engineers are weekly active copilot users and about 80% of AI-generated code is accepted, delivering efficiency gains up to 60%.
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