I-Chime Ivuma Ukuthenga Inkampani Engumzali ye-Stride Bank ngo-$590 Million, Ikhuphula Umbono Wayo Wango-2026

Okushintshile

Ngokombiko we-Quiver Quantitative, i-Chime ivume ngoSepthemba 8 ukukhokha u-$590 million ngokheshi, kuncike ekulungisweni okujwayelekile, ukuze ithenge i-Central Service Corporation, inkampani engumzali ye-Stride Bank. I-Stride isibe ngumlingani wasebhange we-Chime iminyaka engaphezu kweyisikhombisa; i-Chime iphinde yenyusa umhlahlandlela wemali engenayo wekota yesithathu wayisa cishe ku-$705 million, nomhlahlandlela we-EBITDA olungisiwe wayisa ku-$117 million ($120 million, ngenkathi inyusa umbono wayo wemali engenayo wonyaka wonke wayisa cishe ku-$2.76 billion) $2.77 billion. Kubikwe ukuthi amasheya e-Chime anyuke ngo-5.9% ngoSepthemba 9.

Kungani Lokhu Kubalulekile

Lokhu akukhona nje ukuthi inkampani ye-fintech ithenga umhlinzeki wayo. I-Chime izama ukufaka ngaphakathi enkampanini ingxenye esemqoka yengqalasizinda yayo yasebhange. Uma lesi sivumelwano siphetha, ubudlelwano obabuphethwe phakathi kwezinkampani bungase bube ubudlelwano bokusebenza bangaphakathi. Lokho kungasho ukuhambisana okuseduze kakhulu. Kuphinde kusho ukuthi i-Chime izothwala umsebenzi onzima kakhulu nolawulwayo, umsebenzi ubudlelwano nomlingani obungawushiya kude nayo.

Kumakhasimende, umbuzo osebenzayo uwukuqhubeka kwenkonzo. Isimo esihle asinazigigaba: izinsizakalo ezixhumene nebhange ziyaqhubeka nokusebenza ngesikhathi i-Chime ithola ukulawula okwengeziwe kwengqalasizinda ezisekelayo. Nesimo esixakile siyajwayeleka: izinhlelo, izilawuli nezinqubo zokunikeza isevisi ziyashintsha ngesikhathi sokuhlanganiswa, bese lolu shintsho luyabonakala ngoba abantu balindele ukuthi izinsizakalo zabo zezimali zisebenze ngaphandle kokubaphazamisa.

Umbono wethu (ukuqagela okunolwazi): i-Chime kungenzeka ibeke isevisi ezinzile phambili ngesikhathi idlulisela ukuxhumanisa kancane kancane isuke kumlingani iye ekubeni ngumnikazi phakathi kwezinyanga eziyisithupha kuya kweziyi-12 ezizayo, uma ithola izimvume ezisebenzisekayo. Lokho kungabeka ezinye izinkampani zezimali zedijithali phambi kwesinqumo samasu esicace kakhudlwana: zigcine ukuguquguquka ngokusebenzisa abalingani bangaphandle basebhange, noma zamukele izibopho zokusebenza ezisindayo eziza nobunikazi.

Ukuqhathanisa nomlando

Ku-fayili ye-SEC yango-2021, i-LendingClub yachaza isivumelwano sayo sokuthenga i-Radius Bancorp ne-Radius Bank, esaphothulwa ngoFebhuwari 2021. Ukufana kwesakhiwo kucacile: inkampani yezezimali zedijithali yaletha amandla asebhange alawulwayo ngaphakathi ukuze inciphise ukuncika epulatifomini yasebhange yangaphandle.

Umehluko omkhulu nawo ubalulekile. I-LendingClub yathenga ibhange ukuze izakhele eyayo ipulatifomu; i-Chime ithenga inkampani engumzali yomlingani wasebhange eseyazi kahle. Ngemva kwesivumelwano se-LendingClub, i-LendingClub Bank yasebenza ngaphansi kwe-Operating Agreement ye-OCC eyaphelelwa yisikhathi ngoFebhuwari 2, 2024, ngokusho kwefayili ye-SEC yakamuva. Lokho kusikisela ukuthi inzuzo yobunikazi ingase ifike nemibandela yokusebenza ehambisana nayo. Imigomo yokulawula ye-Chime nendlela ezohlela ngayo ukuhlanganiswa kuyobaluleka njengentengo yokuthenga.

Indlela imiphumela engasakazeka ngayo

Uma i-Chime ikuphothula ukuthenga futhi ihlanganisa i-Stride ngaphandle kokuphazamisa isevisi, ubunikazi ngaphakathi enkampanini bungashesha ukuxhumaniswa kwezinsizakalo zasebhange futhi bunciphise ukuncika esivumelwaneni sokuhweba esiphakathi kwezinhlangothi ezizimele. Amakhasimende angase athole isevisi ezinzile kakhudlwana uma lokho kuxhumaniswa kuthuthuka.

Lolu chungechunge lungaphazamiseka ezindaweni eziningana. Imibandela yokulawula inganciphisa izinguquko ekusebenzeni; izinhlelo nezilawuli ezihlukene zingabambezela ukuhlanganiswa; noma i-Chime ingagcina izinhlelo ezikhona ngesikhathi soguquko. Ngaphandle kwe-Chime ne-Stride, izinkampani ezisancike kubalingani bangaphandle basebhange zingase zibhekane nokuqhathanisa okunamandla: ukulawula okuqondile okuncane, kodwa nemithwalo yemfanelo embalwa egxile ngaphansi kophahla olulodwa.

Ukuhlolwa komthelela

• I-Chime: Imiphumela ixubile ezinyangeni eziyisithupha kuya kweziyi-12 ezizayo. Ingafaka ngaphakathi ukuncika okuyinhloko, kodwa kufanele ithwale izibopho zokuhlanganisa nezebhange elilawulwayo.
• Ukusebenza kwe-Stride Bank: Imiphumela ixubile ngesikhathi esifanayo. Ukuphatha nokuxhumanisa kungashintsha kusuke ebudlelwaneni obunesikhathi eside kuye ebunikazini ngaphakathi kwe-Chime.
• Amakhasimende asebenzisa izinsizakalo ezixhumene nebhange: Abhekene nobungozi bokuthi ukuhlanganiswa kungasebenzi ngendlela efanele. Ukuxhumanisa kwangaphakathi okungcono kungenzeka, kodwa ukuqhubeka kwesevisi kuncike oguqukweni oluhlelekile.
• Izinkampani zezimali zedijithali ezisebenzisa abalingani bangaphandle basebhange: Imiphumela ixubile esikhathini eside. Uma imodeli ye-Chime isebenza, ubunikazi bungaba inketho yamasu eheha kakhudlwana; uma bubonakala bunzima, ukuguquguquka kobambiswano kuba nenani elikhulu.

Izimo ezingase zenzeke

Okungenzeka kakhulu

Uma izimvume zifika ngemigomo esebenzisekayo, i-Chime kancane kancane idlulisela ukuxhumaniswa kwemisebenzi yasebhange ngaphakathi enkampanini phakathi kwezinyanga eziyisithupha kuya kweziyi-12 ezizayo, kuyilapho igcina izinhlelo zesevisi ezikhona. Lena yindlela okungenzeka kakhulu ngoba ubudlelwano obude phakathi kwe-Stride ne-Chime buyimpahla yokusebenza okufanele ivikelwe. Isimemezelo sokuvalwa kwesivumelwano, imininingwane yokuhlanganiswa ngezigaba nokusebenza okuzinzile kwesevisi yamakhasimende kungakusekela; ukubambezeleka okuqhubekayo, ukuphazamiseka okukhulu noma imigomo evimbelayo kungakwenza kube buthaka.

Isimo esihle

Uma ukuthengwa kuphothulwa kahle futhi ukuhlanganiswa kuthuthukisa ukuxhumanisa ngaphandle kokungqubuzana okukhulu kwesevisi noma kokulawula, i-Chime ingase ithole ukulawula okwengeziwe ekusebenzeni kwamandla ayo asebhange ngesikhathi isekela umbono wayo ophakeme wemali engenayo. Lokho kunganciphisa umthwalo wokuxoxisana ngokuncika okuyinhloko phakathi kwezinhlangothi ezizimele futhi kuqinise isikhundla sokuncintisana se-Chime. Izinhlelo zokuhlanganisa ezinemininingwane, umhlahlandlela ogcinwayo noma onyusiwe, kanye nesevisi ezinzile kungasekela le ndlela.

Isimo esibi

Uma izimvume zibeka imibandela evimbelayo, noma ukuhlanganiswa kubonakala kunzima, i-Chime ingase ichithe ukunaka kwabaphathi nezinsiza zokuthengiselana ngaphambi kokuthola izinzuzo ezihlosiwe zokuhlanganiswa okuqondile. Izinguquko zesevisi zingathatha isikhathi eside, kanti umbono wenkampani onyusiwe ungase ube ngaphansi kwengcindezi ngaphandle kokuthi ukusebenza kuhlale kuzinzile. Ukuvalwa okubambezelekile, izindleko eziphezulu zokuhlanganisa, umhlahlandlela oncishisiwe noma ukuphazamiseka okubikiwe kungakhomba kulolu hlangothi.

Okufanele kubhekwe ngokulandelayo

• Ukuthi i-Chime iyakuvala, iyayinqamula noma iyibambezela kakhulu yini ukuthengwa kwe-Central Service Corporation.
• Noma yiziphi izimvume zokulawula nemibandela yokusebenza ehambisana nesivumelwano.
• Ukuthi imiphumela ye-Chime ihlala yini ihambisana nomhlahlandlela wayo wemali engenayo wekota yesithathu ocishe ube ngu-$705 million, kanye nombono wemali engenayo wonyaka wonke ka-$2.76 billion, $2.77 billion.