Matthew Covi and Chase Neinken are the co-founders of Chimney, a fintech known for its modern financial calculators and home value tracking tools.
Most financial products fall short at the same moment: when someone is trying to make a real decision.
Not during casual browsing. Not while learning terminology.
But when they are asking questions like:
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Can I afford this home?
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Does refinancing make sense right now?
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What happens if rates change, or my income does?
Too often, the tools available at those moments feel static, generic, or disconnected from the digital experiences people already trust.
Chimney was built to close that gap.
Building tools for moments that matter
From the beginning, our focus was helping consumers move from uncertainty to clarity without forcing them to leave the experience they were already in.
That’s why Chimney’s embeddable financial calculators and Property Intelligence tools are designed to live directly inside digital banking and lending platforms. They function as contextual decision support that guides consumers through a sequence of relevant questions, adapting as their situation, intent, and readiness become clearer.
When designed well, these tools help people test scenarios, understand tradeoffs, and move forward with confidence.
Over time, financial services providers began using Chimney to support high-intent journeys. These tools improved engagement, increased conversion, and helped institutions deliver guidance that feels timely and relevant rather than generic or overwhelming.
Along the way, we learned something important: decisioning tools don’t operate in isolation.
The limits of point solutions
As digital financial experiences have matured, expectations have shifted.
Consumers want guidance that feels:
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Embedded where decisions are happening
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Personalized to their situation
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Actionable in real time
At the same time, banks, credit unions, and fintechs are being asked to show that their digital experiences drive real outcomes. Stronger relationships, higher conversion, and deeper engagement are expected without introducing fragmentation or operational complexity.
Meeting those expectations requires infrastructure that connects insight, context, and action across the customer journey.
That realization shaped our decision to join Array.
Why Array made sense for Chimney
Array is building a connective layer that enables financial institutions, fintechs, and digital brands to deliver critical tools across credit, identity, privacy, debt, and more, directly within the products consumers already use.
What resonated with us was the intentionality behind the platform:
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Experiences are designed to feel cohesive
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Tools are modular and adaptable
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Guidance is built to support decisions without competing for attention
Just as important, these tools are designed to be configurable and institution-led. Providers can shape journeys, tailor guidance, and align digital experiences with their business goals while maintaining continuity for the consumer.
By joining Array, Chimney’s decisioning and engagement tools become part of a broader ecosystem. This allows institutions to guide consumers from exploration to action while preserving trust and experience integrity.
What changes and what doesn’t
Chimney will continue supporting existing clients and expanding the capabilities they rely on today.
What evolves is the environment those tools live in.
For consumers, this means clearer and more relevant guidance at moments when financial decisions matter most, delivered inside experiences they already trust.
For financial institutions and fintechs, it means access to decision-support tools that improve engagement, increase conversion, and help identify intent and readiness earlier in the journey, without adding technical or operational burden.
For the industry, it represents a shift away from static calculators and generic content toward interactive, insight-driven experiences that support better financial choices in real time.
Where we’re going
Chimney has always focused on making financial guidance more useful without adding unnecessary complexity.
Joining Array allows us to scale that philosophy and connect decisioning more closely to the broader financial journeys consumers are already on.
We’re excited to build what comes next and to help providers deliver digital experiences that do more than inform. They actively support better outcomes.
Disclaimer: Array takes pride in ensuring the information we share is accurate and up-to-date; however, we understand that the information you read may differ from the product(s) and/or service(s) mentioned. We present the product(s) and/or service(s) you read about without warranty. We recommend you review the product and/or services’ terms and conditions before you make a decision. If you encounter inaccurate or outdated information, let us know by writing to: info@array.com.
Editorial Note: This content is the author’s opinion, expression, and/or recommendation(s)
