Lisa Mateo

A lot of the transition to your own tech stack

how you've managed the company.

You don't need to grow headcount necessarily because of the focus and investment you've made on tech.

Do you mind if we start with that and explain a bit about the strategy behind that?

Yeah, absolutely.

And first of all, thanks for having me today.

I'm so proud of this team and the way that we've executed.

I think we're shipping faster than ever.

And if you just think about this first year, this is the first time we're reporting as a public company, our full year results, and they were outstanding.

We added a million five new active members who are now at 9.5 million actives.

We took the company public.

We launched a range of new products.

We launched a new business in our enterprise channel.

And yes, to your point, we completed the conversion of our core processing and ledgering system onto our own in-house tech stack, top to bottom.

And that's really unleashed not only lowered costs, but also unleashed a whole set of new products and services for our members that drove awesome results for the year of $2.2 billion of top line revenue.

growing at over 30% and we got to a 10% EBITDA margin in Q4.

So feeling good across the board and this technology platform really is an enabler for our future growth.

Last month, on your own website, you did this kind of blog post.

It was, what is Chime?

Chime is not a bank.