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Goldman Sachs18 min

Chris Britt, Co-Founder and CEO of Chime

Chris Britt

Interview, Fireside Chat

CEO Chris Britt positions Chime not as a neobank but as a digital financial platform partnering with FDIC-insured banks to serve 150 million Americans living paycheck-to-paycheck. The company generates revenue through interchange fees rather than customer charges, a model that enabled early stimulus distribution and rapid growth fueled by direct deposit incentives. Chime plans to expand its ecosystem into installment loans, cryptocurrency, and insurance while maintaining strict CFPB oversight to support its goal of becoming a comprehensive financial hub for the mainstream consumer.