2022年2月18日

據知情人士稱，金伯利·懷特（Kimberly White）/蓋蒂（Kimberly White）/蓋蒂（Getty）的圖像用於TechCrunch Digital Bank Chime將其首次公開募股推遲到今年下半年，可能直到第四季度。去年秋天，福布斯報道說，Chime一直針對2022年3月的目標，以35至450億美元的估值公開。該人說，Chime推遲了IPO時間軸，因為它專注於發布新產品，這可能包括貸款或投資功能。其目標估值沒有改變。自2021年10月下旬以來，公開交易的金融科技股已下跌40％，Block和Paypal等公司有60％的股份。該人聲稱，Chime決定延遲其IPO的決定是在股票開始滾滾之前做出的。一位發言人沒有回應福布斯的置評請求。作為一項數字銀行服務，Chime提供了支票帳戶，沒有每月或透支費用，並在中低收入美國人中招募了數百萬個客戶。2021年8月，這家9歲的舊金山公司以250億美元的估值籌集了11億美元的風險投資。盡管Neobanks去年繼續迅速擴大，但它們的速度比2020年的速度慢，當時大流行在電子商務和網上銀行業突然上升。 In 2021, Chime’s revenue reached nearly $1 billion, says a person familiar with its business, compared with roughly $600 million the year prior. Revenue had tripled in 2020 versus 2019. Current, a New York digital bank and Chime competitor, has also grown rapidly. Its total registered users increased about 50% in 2021 and more than 200% in 2020. Current now has 3.7 million registered customers. Fintechs including Chime have seen a rash of fraud since the start of Covid, with retailers including Avis and Hertz even instituting bans on Chime and Cash App cards in 2021 to limit illicit activity (Chime has said that rental companies need to be more cautious about whom they rent cars to). Robinhood has banned transfers from a list of financial institutions, including many mid-sized banks that partner with fintechs, as a blunt tool for fighting fraud. Fraud challenges haven’t affected Chime’s IPO timing, says a person familiar with its operations. MORE FOR YOU