How Chime Is Using AI to Accelerate Engineering With Speed, Quality, and Control

Part of the “AI Across Chime” series spotlighting how AI is reshaping the way we build, collaborate, and support members.

Over the past year, Chime’s engineering organization has undergone a meaningful shift: AI is no longer a tool on the sidelines—it’s a core capability embedded across how teams design, build, and ship resilient software at scale.

What began as experimentation is now a data-backed engine of velocity, efficiency, and quality.

Today, approximately 29% of Chime’s production code is written with assistance from AI tools. All code is reviewed, tested, and approved by Chime engineers before deployment. Engineers report saving an average of four hours per week (Source: DX GenAI Impact Analysis, Oct 2025).

These aren’t theoretical gains—they’re baked into how Chime ships software today.

According to internal analysis by Chime’s Developer Experience (DX) team, engineers who adopt AI tooling are:

• Delivering features nearly twice as fast, completing ~80% more code changes and reviews per engineer, while maintaining existing quality and security standards
• Completing code reviews ~60% faster
• Maintaining strong code quality across mission-critical systems

AI is now embedded across the development cycle as a productivity and quality aid, not a decision-maker—powering everything from automated testing and documentation to early-stage design, bug detection, and prototyping. Engineers are moving from idea to implementation in days instead of weeks.

Chime’s success with AI adoption isn’t just technical—it’s cultural.

Engineering teams leaned in early, aligning AI use with Chime’s high standards for security, reliability, and regulatory compliance. Rather than replacing human insight, AI is being used to free engineers from repetitive tasks and give them more time to focus on architecture, systems thinking, and long-term innovation.

“In engineering, about 29% of our code is now written with help from AI,” says Jeff Currier, CTO at Chime. “Developers are saving hours each week, moving faster, and making fewer mistakes—proof that AI is helping us deliver quality software at speed.”

Chime is continuing to invest in responsible, scalable AI that enhances both developer experience and member trust. As adoption deepens, AI will play an even greater role in streamlining delivery timelines, supporting complex systems, and strengthening the infrastructure behind Chime’s most essential member-facing features.

This isn’t just about writing code faster. It’s about building software that lasts—and building it smarter.