Chime

“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.”

ChimePublished by the organization itself (regulatory filing), no named author

“Our ability to scale efficiently and improve our members’ support experience is supported by our investments in AI and automation, which allow these tools to do the work of over 1,000 human member support agents. These innovations enabled us to deliver 68% of our member support interactions without the need for human intervention in the first quarter of 2025.”

ChimePublished by the organization itself (regulatory filing), no named author

“Our proprietary AI and ML models have helped reduce our fraud loss rates, which declined by 29% between the year ended December 31, 2022 and the year ended March 31, 2025.”

ChimePublished by the organization itself (regulatory filing), no named author

“Between the year ended December 31, 2022 and the year ended March 31, 2025, we reduced our support costs per Active Member by 60% and fraud loss rates by 29%. These improvements did not come at the expense of the member experience, either, as we doubled our member support satisfaction scores from the first quarter of 2022 to the first quarter of 2025.”

ChimePublished by the organization itself (regulatory filing), no named author

“In 2026, we plan to accelerate even further. Our proprietary technology platform, ChimeCore, has significantly increased our product velocity, we’re scaling our Enterprise channel, and we’re embedding AI across the platform to drive durable growth and profitability.”

Chris BrittCEO and Co-founder · Executive

“We leverage our daily member interactions, using AI to regularly monitor and analyze member feedback, and provide data-driven insights to make real-time changes to our products and build new products to serve our members’ needs. Our member experience team tracks trends across contact rates, NPS scores, and app store reviews, and augments these with detailed member feedback calls, to identify insights into member pain points. We have also trained GPTs on member feedback to quickly iterate on project plans and product innovations.”

ChimePublished by the organization itself (regulatory filing), no named author

“By leveraging GenAI and other ML tools, we deliver high-quality, efficient member support at scale, including our GenAI chatbot and voicebot that we launched in 2025. Our proprietary, AI-powered disputes management platform has contributed to improved agent productivity and reduced dispute investigation times, creating better experiences for our members.”

ChimePublished by the organization itself (regulatory filing), no named author