What is the sentiment of this news? Please choose an answer from {strong negative/moderately negative/mildly negative/neutral/mildly positive/moderately positive/strong positive}.

Affirm Holdings Inc (NASDAQ: AFRM) shares are trading lower Monday after Apple Inc (NASDAQ: AAPL) unveiled a new buy now, pay later program at its 2022 Worldwide Developers Conference.  Apple's new "Apple Pay Later" product will allow users to make purchases .
mildly negative