{
  "apiVersion": "v1",
  "passage": {
    "id": "chime-ai-reduce-cost-serve-nearly-30-2026",
    "text": "AI is transforming how we operate: Over the past three years, AI has helped us reduce cost to serve by nearly 30% and increase ARPAM by 23%, all while improving customer satisfaction. AI has also meaningfully increased internal productivity: we have boosted developer throughput, cut code review time, and more than doubled marketing creative output while reducing production costs.",
    "context": null,
    "speaker": null,
    "speakerId": null,
    "speakerUrl": null,
    "speakerLevel": null,
    "role": null,
    "voice": "organization",
    "organization": "Chime",
    "organizationId": "chime",
    "organizationUrl": "https://the-ai-record.com/organizations/chime",
    "aiVendor": false,
    "work": {
      "title": "Chime Financial, Inc. Q4 and full year 2025 results (Form 8-K, Exhibit 99.1)",
      "type": "filing",
      "date": "2026-02-25",
      "publisher": "SEC EDGAR",
      "locator": "Fourth Quarter and Full Year 2025 Highlights",
      "url": "https://www.sec.gov/Archives/edgar/data/1795586/000179558626000004/ex991q425.htm"
    },
    "grade": "A",
    "gradeMeaning": "A filing or earnings call the organization answers for.",
    "verification": {
      "status": "verified",
      "meaning": "An independent second reader re-fetched the source and confirmed the wording.",
      "reviewedOn": "2026-11-04"
    },
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      "ai-across-the-company",
      "measuring-impact",
      "ai-cost-and-spend",
      "support-cost"
    ],
    "functions": [
      "company-wide"
    ],
    "figures": [
      {
        "metric": "cost-to-serve-reduction",
        "value": 0.3,
        "unit": "share",
        "period": "past three years (to 2025)",
        "definition": "Stated as 'nearly 30%'; AI's contribution to reducing cost to serve; the filing does not define cost to serve or the level of human involvement",
        "level": "unclear"
      },
      {
        "metric": "arpam-increase",
        "value": 0.23,
        "unit": "share",
        "period": "past three years (to 2025)",
        "definition": "Increase in ARPAM (as the filing uses the term), attributed to AI",
        "level": "unclear"
      }
    ],
    "url": "https://the-ai-record.com/passages/chime-ai-reduce-cost-serve-nearly-30-2026",
    "json": "https://the-ai-record.com/api/v1/passages/chime-ai-reduce-cost-serve-nearly-30-2026.json"
  },
  "notice": [
    "Every passage is reproduced word for word from the cited source.",
    "Check the verification status: \"reported\" means not yet confirmed by an independent second reader.",
    "Organizations flagged aiVendor sell AI tools or services and have a reason to publish flattering numbers.",
    "An empty result means the archive holds nothing on it, not that nobody has said anything."
  ]
}