# How Chime scaled a modern banking experience with Visa DPS

3 min read

Chime partnered with Visa Digital Processing Solutions (DPS) to execute a complex core migration and build a proprietary, flexible, and scalable platform that lets them launch new products faster, maintain greater control of the member experience and efficiently support millions of members as they grow.

## Challenge

Chime was built to help everyday Americans unlock financial progress with banking products and services that are helpful, easy, and free. That means delivering a simple, accessible financial experience. As its member base grew into the millions, expectations did not change. Experiences still needed to be fast, simple and built around real-life usage.

Supporting that level of growth required more than infrastructure. Chime was aiming to own more of its technology stack and it required a partner that had the flexibility to build alongside the business.

Behind that need was a clear set of priorities:

- Flexibility to support continuous product innovation
- Reliability at scale for everyday usage
- A foundation designed to adapt as the business expanded

## Solution

Chime was not looking for a processor alone. The team needed a platform that could grow with them and support how quickly they build and launch new capabilities. That meant choosing a provider that could match their pace, stay closely aligned and help remove barriers as they scaled. Visa DPS delivered the scale and flexibility needed to support that next phase.

What made the difference, however, was not just the technology. It was how the teams worked together. Through years of planning and execution, Chime and Visa DPS worked side by side to navigate one of the most complex migrations in the industry. This required alignment at every level, from leadership engagement to day-to-day problem solving. The ability to adapt in real-time, remove blockers and stay focused on outcomes made the transition possible.

> “Chime moves fast and sets a high bar for what we want to achieve, and Visa DPS has consistently met us at that pace.”  
> **Lesley Marentette** Network Partnerships & Strategy, Chime

## Results

What began as a large, multi-year effort is now translating into meaningful business impact.

Chime is now able to:

- Launch new products faster
- Maintain greater control over how experiences are built and delivered
- Operate more efficiently as the business continues to scale

The foundation built with Visa DPS is designed to help Chime move faster, adapt more easily and continue improving how it serves its members.

Chime (Nasdaq: CHYM) is a financial technology company founded on the premise that core banking services should be helpful, easy, and free. Chime offers a broad range of low-cost banking and payments products that address the most critical financial needs of everyday people. Its member-aligned business model has helped millions of people to unlock financial progress.