Giới thiệu
Chime là fee-free neobank US, thành lập 2013. 13M+ accounts, $1B revenue/năm, valuation $25B (2021). USP: no monthly fees, no overdraft fees, early direct deposit (paycheck 2 ngày sớm), auto-savings (round-up purchases). Mô hình: earn từ interchange fee (debit card usage), SpotMe (overdraft protection $200 - optional tips).
Case Study
User gig worker: paycheck 2 ngày sớm via Chime, help cash flow. Auto-savings: mỗi purchase round up (coffee $4.50 → save $0.50), save $100/month passive. SpotMe: overdraft $50 no fee, tip $5 optional. Kết quả: 13M accounts, $1B revenue, valuation $25B.