Lisa Mateo

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.

And if you consider what the products you're offering are, a big part of where the street's focused on is new products coming to market and how you've monetized that.

So you take Chime Card, for example.

Through that lens, explain what you are, but also how you've been able to launch a sort of wider offering of financial services as a fintech company.

Right.

Chime at our core, we're a technology company.

We partner with banks.

And so when you sign up for a Chime account, think of it, you're basically doing, there's a three-way relationship between the consumer, Chime as the technology enabler and brand and the design and delivery of all the actual experience, and then the bank.

So we have some community bank partners that actually hold the deposits in FDIC insured accounts for our members.

And this approach has worked really, really well, particularly for mainstream American, people that oftentimes live paycheck to paycheck, basically the population that makes up to about $100,000 a year.

That's the segment that we serve.