Competitive AdvantagesChime's bank-first offering, radical cost-to-serve advantage, and proprietary vertically integrated technology stack comprise durable competitive advantages.
Market PositionChime is seen as the top destination for individuals making up to $100,000 seeking to switch direct deposit relationships.
Revenue GrowthEstimates for Chime's revenue, transaction profit, and EBITDA have been raised due to strong MyPay volume growth and moderating loss rates.