Analysts Offer Insights on Financial Companies: Robinhood (NASDAQ: HOOD) and Chime Financial, Inc. Class A (NASDAQ: CHYM)We encourage investors to buy the stock. We think Chime is transforming banking for households with less than $100,000 in annual income. Our view is that Chime offers a superior digital experience and a growing portfolio of spending, savings, and liquidity services, all delivered at a radically lower cost to serve versus traditional banks. We contend that the U.S. consumer finance economy is rapidly changing, with consumers shunning predatory traditional banks in favor of those serving their needs, including more choice, better APY, and short-term liquidity solutions. We think the market is viewing these liquidity products incorrectly. Rather than increasing consumer debt burdens and risk, products like Earned Wage Access (EWA) address stubborn consumer pain points that traditional banks cannot.