CHIP

CHIP (Changing How Individuals Prosper) is a FinTech matching platform founded by Dana L. Wilson that connects individuals with Black and Latinx financial professionals. NITM has served as CHIP's core technology partner for over five years, spanning advisory, interim CTO, design, development, and ongoing platform evolution. From an initial GlideApps MVP built to validate the market, to a fully migrated AWS and WordPress production platform, to an AI-powered voice onboarding experience, NITM has helped CHIP build, scale, and fund a platform that is changing how people access financial guidance.

CHIP

AdvisoryInterim CTOProject ManagementArchitecture and DevelopmentDesignMaintenance

Challenge

No Scalable Foundation to Build On

CHIP needed to test the market before committing to a full custom build. Without a scalable or maintainable platform, early development costs could have consumed the runway before any real validation happened.

Manual Operations at Every Step

The original workflow required Dana to manually match consumers with professionals using a Google Sheet, coordinate scheduling through Oncehub, and send confirmations via Constant Contact. Every new user added friction and time to an already stretched team.

No Clear Path From MVP to Production

Moving from a no-code prototype to a production-grade platform requires careful architecture decisions. CHIP needed a partner who could scope, design, and execute that migration without disrupting early momentum or overbuilding before product-market fit was confirmed.

Onboarding Friction Was Limiting Growth

As the platform matured, onboarding remained one of the biggest barriers to user activation. The existing flow required significant time and effort from new users and limited the quality and volume of information they shared during sign-up.

Technology Roadmap Needed Consistent Leadership

Without a dedicated internal tech team, CHIP needed ongoing CTO-level guidance to prioritize features, manage delivery, maintain the platform, and communicate the technology vision to stakeholders and investors.

Result

CHIP now operates a stable, scalable FinTech platform with over 200 paying professionals and a growing consumer base. The platform has attracted NJ State funding in 2026, with ongoing investor conversations accelerating in the second half of the year. Voice onboarding has meaningfully reduced friction for new users while improving the quality of data collected at sign-up, directly supporting the platform's matching quality and user experience goals.

75%

Conversational voice onboarding reduced the time required to complete sign-up by 75%, making the first experience on the platform significantly faster and easier for new users.

Despite a shorter onboarding flow, users shared three times the volume of information compared to the previous experience. Less friction produced more signal.

200+

CHIP currently supports over 200 paying professionals with a growing consumer user base actively seeking financial guidance and matching support.

NJ State Funded, 2026

NITM's technical delivery and roadmap work contributed to CHIP securing NJ State funding in 2026, with further investor conversations actively in progress.

Process

Our engagement has followed a milestone-based roadmap evolving across three distinct phases. Each phase built directly on the validated learnings of the previous one, keeping costs controlled and the product grounded in real user feedback.

Phase 1 - Market Validation on GlideApps

Built the initial MVP on GlideApps to validate the CHIP concept at a fraction of the cost of a custom build. This phase enabled real user feedback and gave the team a clear picture of what a production platform needed to do before a single line of custom code was written.

Phase 2 - Migration to AWS and WordPress

Scoped, designed, and executed a full migration from the GlideApps prototype to a scalable AWS-hosted production platform and WordPress marketing presence. This included rebuilding the matching workflow, introducing professional and company profile management, and implementing subscription billing through Stripe.

Phase 3 - Ongoing Roadmap and AI Integration

Continued delivering a structured roadmap across design, development, and advisory over five years. The most recent milestone is a conversational voice onboarding implementation, 100% AWS funded, that reduced onboarding time by 75% and tripled the volume of information users shared. Ongoing AI integration and rollout continues across the platform.

Solution

NITM has served as CHIP's fractional CTO and core technology team since the beginning of the engagement. We started by building an initial MVP on GlideApps to reduce early costs and validate the platform concept with real users. Once validation was established, we scoped, designed, and migrated the full platform to a custom AWS and WordPress architecture built for scale and maintainability. Over five years, we have delivered a structured roadmap that has introduced matching automation, professional and company profile management, subscription and billing infrastructure, and a full design and marketing presence. Most recently, we delivered an AI-powered conversational voice onboarding experience that reduced onboarding time by 75% while tripling the volume of information users voluntarily shared. Ongoing work includes continued AI integration and rollout across the platform.

Our Insight

Dana came in with deep domain knowledge and a genuine mission. She understood her market and her user in ways that most founders take years to develop. Our job was to make sure the technology kept pace with the vision without burning the runway. Starting with GlideApps was the right call. It let us validate the idea, get real feedback, and scope a production build we knew would actually hold. Five years later, we are still building together, and the roadmap keeps getting more interesting.