Chime Financial (CHYM) UBS’s 2025 Global Technology and AI Conference summary

Market positioning and customer focus

• Leading the shift toward digital banking for mainstream Americans, especially those earning up to $100K.

• Fastest-growing segment is customers earning over $75K, with high retention and engagement.

• 90% of members come from prior banking relationships, serving the 'unhappily banked' rather than the unbanked.

• Members use an average of four products monthly, with RPAM for tenured cohorts at $350.

• High engagement: average active member completes 55 transactions per month.

Product innovation and platform strategy

• Product suite includes Get Paid Early, SpotMe, Credit Builder, MyPay, Chime Plus, Instant Loans, and fee-free tax filing.

• Chime Core, a proprietary payment processor and ledger, enables faster product launches and cost reductions.

• Chime Card, a secured credit card, offers 1.5% cash back and is now the primary onboarding product.

• Upcoming launches include joint and custodial accounts, investment products, and premium membership tiers.

• High-yield savings accounts offer 3.5%, 8X the national average.

Growth and customer acquisition

• Ungating strategy allows easier onboarding and access to products without direct deposit, boosting new member growth.

• 1.6 million new actives added in the past year, up from 1.2 million the prior year.

• Transaction profit per non-primary active member up 20% year-over-year.

• Recent cohorts achieve transaction profit payback in 5-6 quarters, improved from 7.

• Focus remains on converting members to primary account status for long-term ROI.