Chime

Chime is a U.S. digital banking and fintech platform focused on branchless mobile financial services. The company has recently recorded growth in profitability, direct-deposit customers and its instant-loan business, while rolling out Chime Invest, automated investing and a premium membership offering. It is also considering integrating a stablecoin wallet. At the same time, Chime has cut jobs and shifted its workforce strategy toward AI, while facing lawsuits related to marketing and cybersecurity. Its product expansion, profitability and regulatory risks reflect the progress digital banking platforms are making in challenging traditional finance, making the company worth watching.