HeadSpin Proposes Speed Optimizations as Ideal Transaction for Chime


Overview and Methodology For Our Analysis


Banking & Fintech


iOS / Verizon / Miami

Android / Sprint / New York City

Products Used:

HeadSpin Connected Intelligence Platform


  • Review multiple 3rd party SDKs that cause slowdown in launch time
  • Review areas that show high latency on ‘Apply Now’ section
  • Optimize connection reuse
  • HeadSpin analyzed the latest version of the Chime iOS and Android app on a real iPhone 8 in Miami, on Verizon Network and in New York City, on Sprint Network.
  • NO SDK, code change or instrumentation was needed to run the remote performance sessions.
  • HeadSpin’s AI engine sifted through network traffic, client-side metrics, and videos of the test execution to find areas of poor user experience and performance bottlenecks.
  • Recommendations were provided for every issue that was surfaced.

Insights and Recommendations

HeadSpin’s proprietary AI technology analyzes and prioritizes the core issues impacting critical user journeys. Using computer vision techniques to quantify blank screens, time to interact, loading time, loading or buffering animations, and content quality, our AI models can automatically diagnose server-side issues whether they arise from infrastructure deployment issues, poor performance, or API errors. For a custom analysis of your app, request a Performance Insight report from HeadSpin. 

HeadSpin Performance Session for Android (link)

Slow server due to 3rd Party SDKs

AppsFlyer SDK calls taking over 5s per call to first byte and AppsFlyer seems to be redirecting to Dublin and not US.
Apply Now slowdown that takes 22 seconds to load are mainly due to and

HeadSpin Performance Session for iOS (link)

Slow server due to 3rd Party SDKs

UrbanAirship hosted on Google – – redirects to Asia, not US.

Segment has > 500ms TLS time which impacts SDK load time

AppsFlyer takes over 5 seconds.

Apply Now takes over 7 seconds
Tapping NEXT button takes 3 seconds to load.

HEADSPIN RECOMMENDATION: Review Chime server to see if there are any specific slowdowns. TLS time takes over 2 seconds. Check for bug or under load.

How to Work With HeadSpin

HeadSpin Powers Flawless Mobile App Performance

HeadSpin’s state-of-the-art Digital Experience Intelligence Platform™ will empower your engineering teams to:

  • Execute automation tests on real carrier-enabled devices worldwide
  • Discover performance bottlenecks
  • Collect and visualize your performance data
  • Seamlessly integrate with your CI/CD workflow
  • Monitor every critical user flow of your mobile experience
  • Pinpoint issues that cause performance regressions and impact user experience earlier in your development cycle
Overarching Areas of Opportunities

  • Launch new features confidently by monitoring and analyzing root causes of performance issues throughout the development life cycle
  • Drive new user installs and user engagement with optimized performance
  • Forge user trust and safety, accelerating consumer services for critical user paths across your apps and website
  • Benchmark KPIs for mobile performance to understand how your user experience for your mobile app and website compares to your peers in the same industry
  • Support localized testing across 32,000+ devices and 160+ countries around the world, on real devices under real-world conditions
Expert Holistic Consultation and Strategy 

HeadSpin has the product and solutions expertise to help you perfect the digital experience for your customers! Our team hails from digital pioneers, such as Google and Facebook, and has already delivered enhanced mobile-centric experiences for a diverse set of Fortune 1000 clients. HeadSpin’s strategic insights can help you:

  • Drive new user acquisition, user engagement, and feature adoption
  • Deploy app security measures on iOS and Android
  • Build consistent performance standards and experiences across all your mobile apps and websites 

... insight from HeadSpin helps us prioritize issues so we could deliver a better user experience.

Maria Zhang, CTO, Tinder