Lisa Mateo
speaker
1,758 appearances
189 recordings
6 series
first heard Jul 2025
last heard 13 Sep
Lisa Mateo’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 188 in all, peaking in Feb 2026 with 84.
Appearances
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.
And we offer a range of core banking services, fee-free checking accounts.
the ability to get access to short term lines of credit at low cost or no cost, the ability to build your credit and to earn high yield savings.
And because we're a technology company, we don't have physical branches and a heavy infrastructure, physical infrastructure.
We're able to operate at a really low cost structure and we deliver that value back to our consumers.
And that's allowed us to really outmaneuver the big banks.
We've been continuing to increase our share of
of new accounts, new checking accounts in America and third party research continues to show that we are having an outsized impact and increasing our share.
Let's go to swipe fees because that is where you get a lot of the revenue.
Is there any issue, any concern longer term as you scale that that will become a regulatory issue as you hit certain benchmarks and amounts of money that you manage?
Yeah, I think as we've grown over the past few years, you've seen an increasing balance in our business.
So we were historically very heavily reliant on fees that we earned from Visa when our debit cards get used for everyday transactions.
And we now have a secured credit card product.
We launched a product called Chime Card last year that's a secured card that has rewards.
Showing 1081–1100 of 1,758 · page 55 of 88
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