While many in financial services are layering generative AI onto legacy infrastructure, Chime is taking a different approach: embedding AI into its proprietary platform, driven by real-time member behavior and backed by an internal culture built for speed.

With more than a decade of member trust, Chime has become one of the largest consumer fintechs in the U.S. Millions of people rely on Chime as their primary account: to get paid, manage spending, and build toward long-term goals.

That real-world usage gives Chime a rare opportunity: to apply AI in ways that are both personal and practical. But its not experimenting in a vacuum; it’s building on three foundational strengths:

• Depth of data. As the primary account for millions of members—who make more than fifty transactions a month on average—Chime sees how people actually manage their money, day to day.
• Proprietary technology. Chime’s homegrown core banking platform, ChimeCore, gives it the flexibility and control to embed AI safely across its systems, without relying on black-box vendors or legacy infrastructure.
• High engagement. Members open Chime every day to track spending, get paid early, and stay on top of their finances, creating real-time opportunities to turn insight into action.