Competitive AdvantageChime's bank-first offering, radical cost-to-serve advantage, and proprietary vertically integrated technology stack comprise durable competitive advantages.
Membership GrowthChime remains on a steady growth trajectory, boasting what is now ~9.1MM members and where growth continues to hold steady at ~21%.
Product ExpansionChime's distinct offerings and new product rollouts, including MyPay, Chime+, and Instant Loans, are powering user growth.