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For decades, it’s been a riddle in banking: how do you build a sustainable and profitable business serving low and middle-income consumers? Sixteen years ago, Chris Britt, then chief product officer at Green Dot, believed he’d discovered the answer—direct deposit of paychecks. <br/><br/>Green Dot was selling prepaid debit cards to cash-strapped Americans without traditional bank accounts, and Britt saw that customers who had their paychecks automatically deposited into their Green Dot accounts used the card to pay virtually all their expenses. With each debit card swipe, Green Dot pocketed part of the interchange fees–the 1% to 2% charge merchants pay to accept debit and credit cards.<br/><br/>“The people on direct deposit were clearly the whales of the business,” says Britt, 51, the cofounder and CEO of Chime, the nation’s largest digital-only bank with $1.5 billion in annualized revenue and seven million customers using its cards for $8 billion a month in transactions.<br/><br/>Read the full story on Forbes: https://www.forbes.com/sites/jeffkauflin/2024/05/03/exclusive-the-inside-story-of-chime-americas-biggest-digital-bank/?sh=4f40891cfb0d<br/><br/>Subscribe to FORBES: https://www.youtube.com/user/Forbes?sub_confirmation=1<br/><br/>Fuel your success with Forbes. Gain unlimited access to premium journalism, including breaking news, groundbreaking in-depth reported stories, daily digests and more. Plus, members get a front-row seat at members-only events with leading thinkers and doers, access to premium video that can help you get ahead, an ad-light experience, early access to select products including NFT drops and more:<br/><br/>https://account.forbes.com/membership/?utm_source=youtube&utm_medium=display&utm_campaign=growth_non-sub_paid_subscribe_ytdescript<br/><br/>Stay Connected<br/>Forbes newsletters: https://newsletters.editorial.forbes.com<br/>Forbes on Facebook: http://fb.com/forbes<br/>Forbes Video on Twitter: http://www.twitter.com/forbes<br/>Forbes Video on Instagram: http://instagram.com/forbes<br/>More From Forbes:http://forbes.com<br/><br/>Forbes covers the intersection of entrepreneurship, wealth, technology, business and lifestyle with a focus on people and success.

How Chime Became America's Biggest Digital Bank

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JerryRigEverything

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Iris Flip Phone Review

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Huesera: The Bone Woman 2023 Spanish Scary Movie

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SeniorLiving.Org

Consumer Cellular Verve Snap Phone Review

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Lowlifes 2024 Scary Horror Farm Movie

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Consumer Cellular Link II: Sending and Receiving Text Messages | Consumer Cellular

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Mira 2022, Disaster Movie, in Hindi,<br/>A father, working on a, space station, has to save his, 15-year-old, daughter, after a meteorite shower hits Earth, using only satellite phones and cameras,<br/>Director,<br/>Dmitriy Kiselev,<br/>Writers,<br/>Timofei Dekin, Ekaterina Mavromatis, Sergey Kaluzhanov,<br/>Stars,<br/>Anatoliy Belyy, Veronika Ustimova, Yevgeniy Yegorov,

Mira 2022 Russian Disaster Movie in Hindi

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Consumer Cellular

ZMax 5G: Overview | Consumer Cellular

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Home Phone Base: Overview | Consumer Cellular

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