{ "schemaVersion": "deck-intelligence.v1", "id": "019de518-7637-70eb-87ee-ae99851c40cc", "slug": "d823f8eb4fadfba90bc0324110d6b167", "title": "Dave | Results Presentation Deck | 37 slides", "subtitle": "Dave · 2024-07", "author": "Dave", "date": "2024-07-01 00:00:00", "pageCount": 37, "kind": "conference-presentation", "orientation": "landscape", "aspectRatio": 1.7777778, "document": { "id": "019de518-7637-70eb-87ee-ae99851c40cc", "slug": "d823f8eb4fadfba90bc0324110d6b167", "title": "Dave | Results Presentation Deck | 37 slides", "rawTitle": "Dave | Results Presentation Deck | 37 slides", "authorId": "dave", "authorName": "Dave", "authorDisplay": "Dave", "kind": { "slug": "conference-presentation", "label": "Conference presentation" }, "sourceType": { "slug": "investor_relations", "label": "Investor relations" }, "fileName": "2024-07__dave__results__d823f8eb.pdf", "sourceUrl": "https://www.slidebook.io/company/dave/presentation/d823f8eb4fadfba90bc0324110d6b167/", "sourceDate": "2024-05-07 00:00:00", "presentationDate": "2024-07-01 00:00:00", "ingestedAt": "2026-05-01 19:51:18.926741+00", "status": "ready", "pageCount": 37, "orientation": "landscape", "aspectRatio": 1.7777778, "targetCompany": null, "targetTicker": null, "metadata": { "corpus": "slidebook", "industry": "software-application", "local_root": "/Users/miguelsuredasuau/Desktop/lalalalla/_scrape/slidebook/decks/2024-07__dave__results__d823f8eb", "image_width": 1920, "image_format": "jpg", "deck_type_raw": "Results Presentation Deck", "deck_type_slug": null, "source_url_pattern": "https://www.slidebook.io/company/{company_slug}/presentation/{deck_id}/" } }, "coverage": { "pageCount": 37, "pagesIndexed": 37, "pagesWithImages": 37, "pagesWithMetadata": 37, "imageCoveragePct": 100, "metadataCoveragePct": 100, "componentCount": 204, "chartCount": 19, "metricSlides": 0, "toolMatches": 13, "documentToolMatches": 0, "frameworkMatches": 0, "arcMatches": 1, "beatMatches": 3, "loopMatches": 2, "patternMatches": 0, "storymakersMatch": false, "scoreAvailable": false, "reviewAvailable": false, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": false, "pitchdeckProfileAvailable": false }, "blocks": [], "matches": { "arcs": [ { "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "evidence": "The document follows a clear problem-agitate-solution structure, highlighting the problem, the complication, and the proposed solution", "isPrimary": true, "confidence": 0.8, "extraction": { "at": "2026-07-16 23:15:59.236768+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "beats": [ { "to": 6, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 5, "name": "Problem", "beatId": "86293667-cc45-491b-a81d-811df31e9580", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "The document identifies the problem and complication on slides 5 and 6", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 7, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 4, "name": "Solution", "beatId": "32db79c9-831e-44e2-b7ee-05e37724a297", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Solution (Provide relief)", "slug": "problem-agitate-solution-solution-provide-relief", "status": "active", "canonId": "019dd9b8-0fee-73e9-9ae5-799c7f3895cd", "version": 1, "description": null }, "evidence": "The document proposes a solution on slides 4 and 7", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 3, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 1, "name": "Attention", "beatId": "f0290e61-7b02-4eca-9b31-4c93060f9919", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Attention", "slug": "monroes-sequence-attention", "status": "active", "canonId": "019dd9b8-1573-779d-93ca-6174bbd57938", "version": 1, "description": null }, "evidence": "The document grabs attention with a clear title and disclaimer on slides 1-3", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Hook", "slug": "hook", "status": "active", "canonId": "019dd9b8-01a6-7328-bff2-b22eb40b3ea5", "version": 1, "description": "The opener — a deliberate move to earn attention before any argument. Used by AIDA, Monroes, Pixar Pitch, Overcoming the Monster." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null, "categoryName": "Urgency", "categorySlug": "urgency" }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } }, { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null, "categoryName": "Consulting Framework", "categorySlug": "consulting-framework" }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "tools": [ { "tool": { "name": "Audience Definition", "slug": "audience-definition", "status": "active", "bestFor": null, "canonId": "019dd956-7f2a-775d-aeee-ff099bcb7756", "version": 1, "bodyDocId": null, "description": "Six key questions: Who are they? What do they know? What do they believe? What do they care about? What do they fear? What decisions can they make?", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "b0350623-be64-4f7d-a8cd-7e372cc303a5", "evidence": "financially vulnerable or financially coping Americans", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:49:53.680879+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "53b2448a-225a-447f-b956-996518a9143b", "evidence": "table/data: Overdraft Cost(1) $34 $35 $36 $10 As low as $0(4)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:49:53.748847+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "71450ef1-0cef-4990-b08f-df40e17e80df", "evidence": "The slide contains a table/data with financial guidance information.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 04:00:30.043448+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 12, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Problem-Agitate-Solve (PAS)", "slug": "problem-agitate-solve-pas", "status": "active", "bestFor": null, "canonId": "019dd956-869f-7564-8d42-de54ed29ab90", "version": 1, "bodyDocId": null, "description": "Identify problem, agitate the pain, present the solution", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "fc2c6e38-dc3a-4e60-9119-6ffa6e3a22ed", "evidence": "list/bullet: Deepen, Engage, Acquire", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 04:00:53.613635+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 14, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Three-Act Structure", "slug": "three-act-structure", "status": "active", "bestFor": null, "canonId": "019dd956-8812-7796-9105-e7bc0e405681", "version": 1, "bodyDocId": null, "description": "Setup, Confrontation, Resolution - classic dramatic structure", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "e387cb82-bb1b-4a3d-900a-1996eca90a4c", "evidence": "The slide presents a business strategy with three stages: Acquire, Engage, Deepen.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:22.786417+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Three-Act Structure", "slug": "three-act-structure", "status": "active", "bestFor": null, "canonId": "019dd956-8812-7796-9105-e7bc0e405681", "version": 1, "bodyDocId": null, "description": "Setup, Confrontation, Resolution - classic dramatic structure", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "27784520-49b1-433e-8458-6eb27755403d", "evidence": "The slide presents a business strategy with three stages: Acquire, Engage, Deepen.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:22.991486+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 22, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Flywheel", "slug": "flywheel", "status": "active", "bestFor": null, "canonId": "019de52d-1ad8-75ab-9027-a40365590152", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "0a21bd53-fe5d-44bd-85dc-0f56aae0f47f", "evidence": "The slide describes a flywheel effect between ExtraCash and Dave Card.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:23.092802+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "e3bde0de-6094-4fd1-b8ef-b204a9859bc5", "evidence": "The slide serves as a section divider with a title and logo.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:05:23.198156+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "d8afc0fc-1113-4194-94b3-3a7e6183e9f7", "evidence": "chart/bar-vertical: Adjusted EBITDA (Loss) (Non-GAAP) ($MM)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:23.189933+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null }, { "tool": { "name": "Executive summary", "slug": "executive-summary", "status": "active", "bestFor": null, "canonId": "019dd9e1-4b63-72d5-9734-da757d91ca61", "version": 1, "bodyDocId": null, "description": "A condensed view of the entire argument on a single slide / block.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "63cacb24-995b-4dc8-aab4-4d61c4416fe7", "evidence": "title/headline: Investment summary", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:05:23.309517+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 31, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "b587454c-1e1f-4716-8d36-71193599e9a2", "evidence": "table/data: CALCULATION OF NON-GAAP VARIABLE PROFIT (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:05:23.508699+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 35, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "068f6f1d-cae8-4856-ac6e-c3be3d8b5ab3", "evidence": "table/data: DAVE INC. RECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA (LOSS) (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:05:23.587246+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 36, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null }, { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "bda9255e-8cee-4049-91f2-9553448c3abd", "evidence": "table/data: For the Three Months Ended March 31, 2024 2023 Net income (loss) $ 34.2 $ (14.0) Stock-based compensation 6.1 6.8", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:05:23.665848+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 37, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "patterns": [] }, "storymakers": null, "score": null, "review": null, "activistThesis": null, "pitchdeck": { "metadata": null, "profile": null }, "slides": [ { "page": 1, "type": "setup", "function": "front_matter", "imagePath": "https://imgproxy.kitesheet.com/Qg7OdncgsoSrWilCLlYK85it7pGYBrTVzGbrNcR6yZY/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9kODIzZjhlYjRmYWRmYmE5MGJjMDMyNDExMGQ2YjE2Ny9wMDAxLmpwZw", "rawType": "cover", "block": null, "metadata": { "slideType": "cover", "slideTypeCanon": { "name": "Cover", "slug": "cover", "status": "active", "canonId": "019de52d-05f2-729d-9f93-e0504f0a2410", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "balanced", "densityScore": 25, "componentCount": 4, "textChars": 71, "nDataPoints": 1, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:58:32.206+00", "seconds": 4.528, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/1", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-1", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.61, "w": 0.49, "x": 0.48, "y": 0.23 }, "kind": "image", "text": "Dave mobile app and debit card", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Illustration", "slug": "illustration", "status": "active", "canonId": "019de52c-fe76-7772-a5ac-c0b7294d7615", "version": 1, "description": null }, "framework": null }, "subkind": "illustration", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:32.206+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6f3e40db-1041-4e1e-be41-86f0412fa9ee", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.236, "x": 0.066, "y": 0.206 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:32.206+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cd5c529a-c560-467f-abaf-5b57c0154233", "parentComponentId": null }, { "bbox": { "h": 0.022, "w": 0.13, "x": 0.066, "y": 0.75 }, "kind": "paragraph", "text": "May 7, 2024", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:32.206+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8a8b1fda-4bb6-43a1-9630-69e2cdcfe74c", "parentComponentId": null }, { "bbox": { "h": 0.129, "w": 0.43, "x": 0.066, "y": 0.55 }, "kind": "title", "text": "1Q24\nEarnings Presentation", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:32.206+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bc89889c-ef2e-48e7-8207-9ceea4a49bda", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 3, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 1, "name": "Attention", "beatId": "f0290e61-7b02-4eca-9b31-4c93060f9919", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Attention", "slug": "monroes-sequence-attention", "status": "active", "canonId": "019dd9b8-1573-779d-93ca-6174bbd57938", "version": 1, "description": null }, "evidence": "The document grabs attention with a clear title and disclaimer on slides 1-3", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Hook", "slug": "hook", "status": "active", "canonId": "019dd9b8-01a6-7328-bff2-b22eb40b3ea5", "version": 1, "description": "The opener — a deliberate move to earn attention before any argument. Used by AIDA, Monroes, Pixar Pitch, Overcoming the Monster." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "thumbSrc": "https://imgproxy.kitesheet.com/BAIhtTeQo_agRMAlN31naehCByhsO1yA9LfB0Wn53Fo/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9kODIzZjhlYjRmYWRmYmE5MGJjMDMyNDExMGQ2YjE2Ny9wMDAxLmpwZw", "imagePathAlt": "https://imgproxy.kitesheet.com/L14EcGtRNn96Ytaznpb9uRz2kGZL0I6iBQ6pjUlRhuY/rs:fit:1200:1200:0/q:82/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9kODIzZjhlYjRmYWRmYmE5MGJjMDMyNDExMGQ2YjE2Ny9wMDAxLnBuZw", "thumbSrcAlt": "https://imgproxy.kitesheet.com/lTx7PdneQZ8e3bIuFUKPzjxWqlwNw29LUbVg6tRfnew/rs:fit:480:480:0/q:78/f:webp/czM6Ly9raXRlc2hlZXQvY29ycHVzL3NsaWRlcy9kODIzZjhlYjRmYWRmYmE5MGJjMDMyNDExMGQ2YjE2Ny9wMDAxLnBuZw" }, { "page": 2, "type": "setup", "function": "front_matter", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "balanced", "densityScore": 47, "componentCount": 3, "textChars": 8396, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:09.446+00", "seconds": 11.43, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/2", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-2", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.704, "w": 0.907, "x": 0.047, "y": 0.17 }, "kind": "disclaimer", "text": "This presentation of Dave Inc. (\"Dave\" or the \"Company\") includes \"forward-looking statements\" within the meaning of the \"safe harbor\" provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as \"future,\" \"growth,\" \"opportunity,\" \"well-positioned,\" \"forecasts,\" \"intends,\" \"estimates,\" \"seeks,\" \"targets,\" \"anticipates,\" \"remains,\" \"should,\" \"believes,\" \"expects,\" \"estimates,\" \"plans,\" \"outlook,\" and \"projects\" and other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. Such forward-looking statements include, but are not limited to, financial guidance for fiscal year 2024, statements regarding future growth, market share gains, and Dave's other expectations regarding its future plans and financial performance. Such forward-looking statements with respect to future financial performance, strategies, prospects and other aspects of the business of Dave are based on current expectations that are subject to risks and uncertainties. These statements are based on various assumptions, whether or not identified in this presentation, and on the current expectations of Dave's management and are not predictions of actual performance. These forward-looking statements are provided for illustrative purposes only and are not intended to serve as, and must not be relied on by any investor as, a guarantee, an assurance, a prediction or a definitive statement of fact or probability.\nA number of factors could cause actual results or outcomes to differ materially from those indicated by such forward-looking statements. These factors include, but are not limited to: the highly competitive industries in which Dave competes; the rapid technological developments in Dave's industry necessary to continue providing Dave's members with new and innovative products and services; if a substantial number of Dave members fail to repay the cash advance they receive; Dave may not be able to scale its business quickly enough to meet Dave members' growing needs; Dave's ability to acquire new members and retain current members or sell additional functionality and services to them; Dave may never achieve or sustain profitability; the uncertain regulatory environment in which Dave operates; Dave may be subject to governmental investigations or other inquiries by state, federal and local governmental authorities; the financial services industry continues to be targeted by new laws or regulations in many jurisdictions in which we operate; extensive regulation and oversight in a variety of areas, including registration and licensing requirements under federal, state and local laws and regulations; stringent and changing laws and regulations relating to privacy and data protection; Dave's ability to remediate the material weakness in its internal controls over financial reporting; Dave's forecasted operating results and projections rely in large part upon assumptions, analyses and internal estimates developed by Dave's management; fraudulent and other illegal activity involving Dave's products and services; a data security breach could expose us to liability and protracted and costly litigation; Dave's ability to maintain the listing of its Class A common stock on Nasdaq; Dave's management has limited experience in operating a public company; Dave transfers funds to members daily, which in the aggregate comprise substantial sums, and are subject to the risk of errors; if key banking relationships are terminated, Dave may not able to secure or successfully migrate client portfolios to a new bank partner or partners; Dave depends upon several third-party service providers for processing its transactions and providing other important services; Dave's recent rapid growth, including growth in Dave's volume of payments, may not be indicative of future growth; and other risks and uncertainties set forth in Dave's Annual Report on Form 10-K filed with the SEC and subsequent filings with the SEC.\nYou are cautioned not to place undue reliance upon any forward-looking statements, including the projections, which speak only as of the date made. Dave does not undertake any commitment to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise.\nAccordingly, forward-looking statements, including any projections or analysis, should not be viewed as factual and should not be relied upon as an accurate prediction of future results. The forward-looking statements contained in this presentation are based on the Company's current expectations and beliefs concerning future developments and their potential effects on Dave. These forward-looking statements involve a number of risks, uncertainties (some of which are beyond our control), or other assumptions that may cause actual results or performance to be materially different from those expressed or implied by these forward-looking statements.\nShould one or more of these risks or uncertainties materialize, or should any of management's assumptions prove incorrect, actual results may vary in material respects from those projected in these forward-looking statements. Dave does not undertake any obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as may be required under applicable securities laws. Accordingly, you should not put undue reliance on these statements.\nThis presentation contains financial forecasts with respect to certain financial measurements of Dave, including, but not limited to Dave's projected GAAP Revenue and Non-GAAP Adjusted EBITDA for Dave's fiscal year 2024. Such projected financial information constitutes forward-looking information, and is for illustrative purposes only and should not be relied upon as necessarily being indicative of future results. Dave's independent registered public accounting firm did not audit, review, compile, or perform any procedures with respect to the projections for the purpose of their inclusion in this presentation, and accordingly, it did not express an opinion or provide any other form of assurance with respect thereto for the purpose of this presentation. These projections should not be relied upon as being necessarily indicative of future results. Dave does not undertake any commitment to update or revise the projections, whether as a result of new information, future events or otherwise.\nIn this presentation, certain of the above-mentioned projected information has been repeated (in each case, with an indication that the information is an estimate and is subject to the qualifications presented herein), for purposes of providing comparisons with historical data. The assumptions and estimates underlying the prospective financial information are inherently uncertain and are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information. See \"Forward-Looking Statements\" paragraph above. Accordingly, there can be no assurance that the prospective results are indicative of the future performance of Dave or that actual results will not differ materially from those presented in the prospective financial information. Inclusion of the prospective financial information in this presentation should not be regarded as a representation by any person that the results contained in the prospective financial information will be achieved.\nIn this presentation, Dave relies on and refers to information and statistics regarding the sectors in which Dave competes and other industry data. Dave obtained this information and statistics from third-party sources, including reports by market research firms. Although Dave believes these sources are reliable, the Company has not independently verified the information and does not guarantee its accuracy and completeness. Dave has supplemented this information where necessary with information from discussions with Dave members and Dave's own internal estimates, taking into account publicly available information about other industry participants and Dave's management's best view as to information that is not publicly available.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.446+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d4e485bd-d3af-4801-8333-f016195686b7", "parentComponentId": null }, { "bbox": { "h": 0.013, "w": 0.008, "x": 0.954, "y": 0.93 }, "kind": "source-note", "text": "2", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.446+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d63b470a-5c66-4cde-b6e0-99347cf3d89e", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.19, "x": 0.047, "y": 0.08 }, "kind": "title", "text": "Disclaimer", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.446+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d39e9978-9d65-447b-b4e6-adf7d31a5708", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 3, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 1, "name": "Attention", "beatId": "f0290e61-7b02-4eca-9b31-4c93060f9919", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Attention", "slug": "monroes-sequence-attention", "status": "active", "canonId": "019dd9b8-1573-779d-93ca-6174bbd57938", "version": 1, "description": null }, "evidence": "The document grabs attention with a clear title and disclaimer on slides 1-3", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Hook", "slug": "hook", "status": "active", "canonId": "019dd9b8-01a6-7328-bff2-b22eb40b3ea5", "version": 1, "description": "The opener — a deliberate move to earn attention before any argument. Used by AIDA, Monroes, Pixar Pitch, Overcoming the Monster." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 3, "type": "setup", "function": "front_matter", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "front_matter", "functionCanon": { "name": "Front matter", "slug": "front_matter", "status": "active", "canonId": "019de52d-133d-73f0-9e26-201eda96b098", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 84, "componentCount": 8, "textChars": 3754, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:06.007+00", "seconds": 7.952, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/3", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-3", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.04, "w": 0.91, "x": 0.045, "y": 0.177 }, "kind": "paragraph", "text": "The financial information and data contained in this presentation is unaudited and does not conform to Regulation S-X promulgated under the Securities Act of 1933, as amended. Accordingly, such information and data may not be included in, may be adjusted in or may be presented differently in, any filing Dave makes with the SEC.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3038ca55-5642-4bea-b69c-46677a4f96e7", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.91, "x": 0.045, "y": 0.237 }, "kind": "paragraph", "text": "This presentation contains references to Adjusted EBITDA, non-GAAP variable operating expenses, non-GAAP variable profit and non-GAAP variable profit margin of Dave, which are adjusted from results based on generally accepted accounting principles in the United States (\"GAAP\") and exclude certain expenses, gains and losses. The Company defines and calculates Adjusted EBITDA as net loss attributable to Dave before the impact of interest income or expense, provision for income taxes, depreciation and amortization, and adjusted to exclude legal settlement and litigation expenses, other strategic financing and transaction expenses, stock-based compensation expense, and certain other non-core items. The Company defines and calculates non-GAAP variable operating expenses as operating expenses excluding non-variable operating expenses. The Company defines non-variable operating expenses as all advertising and marketing operating expenses, compensation and benefits operating expenses, and certain operating expenses (legal, rent, technology/infrastructure, depreciation, amortization, charitable contributions, other operating expenses, one-time Member account activation costs and non-recurring Dave Card expenses). The Company defines and calculates non-GAAP variable profit as GAAP operating revenues, net excluding non-GAAP variable operating expenses. The Company defines and calculates non-GAAP variable profit margin as non-GAAP variable profit as a percentage of GAAP operating revenues, net.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "666cfd04-d023-4d57-a255-587584e09d4a", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.91, "x": 0.045, "y": 0.49 }, "kind": "paragraph", "text": "Dave owns or has rights to various trademarks, service marks and trade names that it uses in connection with the operation of its business. This presentation also contains trademarks, service marks and trade names of third parties, which are the property of their respective owners. The use or display of third parties' trademarks, service marks, trade names or products in this presentation is not intended in, and does not imply, a relationship with Dave, or an endorsement or sponsorship by or of Dave. Solely for convenience, the trademarks, service marks and trade names referred to in this presentation may appear without the ®, TM or SM symbols, but such references are not intended to indicate, in any way, that Dave will not assert, to the fullest extent under applicable law, its rights or the right of the applicable licensor in these trademarks, service marks and trade names.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7a270cab-42e0-4238-b4cb-460760872680", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.91, "x": 0.045, "y": 0.343 }, "kind": "paragraph", "text": "These non-GAAP financial measures may be helpful to the user in assessing our operating performance and facilitates an alternative comparison amongst fiscal periods. The Company's management team uses these non-GAAP financial measures in assessing performance, as well as in planning and forecasting future periods. These non-GAAP financial measures are not computed according to GAAP and the methods the Company uses to compute them may differ from the methods used by other companies. Non-GAAP financial measures are supplemental, should not be considered a substitute for financial information presented in accordance with GAAP and should be read only in conjunction with our consolidated financial statements prepared in accordance with GAAP.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "83071360-22e1-425b-b36f-98456c76815e", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.91, "x": 0.045, "y": 0.42 }, "kind": "paragraph", "text": "Other companies may calculate non-GAAP measures differently, and therefore the non-GAAP measures of Dave included in this presentation may not be directly comparable to similarly titled measures of other companies.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f1fdc223-77ce-4c6c-acf4-6e2f8e028927", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.21, "x": 0.045, "y": 0.157 }, "kind": "source-note", "text": "USE OF NON-GAAP FINANCIAL MEASURES", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "790c49c9-da56-4e85-a0dc-9bf7b615dc3c", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.19, "x": 0.045, "y": 0.47 }, "kind": "source-note", "text": "TRADEMARKS AND TRADE NAMES", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a2af0804-0e79-4adc-84a9-4fb383644de3", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.24, "x": 0.045, "y": 0.075 }, "kind": "title", "text": "Disclaimer", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.007+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "edacb54f-074c-498b-b3d2-13abbd228b68", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 3, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 1, "name": "Attention", "beatId": "f0290e61-7b02-4eca-9b31-4c93060f9919", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Attention", "slug": "monroes-sequence-attention", "status": "active", "canonId": "019dd9b8-1573-779d-93ca-6174bbd57938", "version": 1, "description": null }, "evidence": "The document grabs attention with a clear title and disclaimer on slides 1-3", "position": 2, "isPrimaryArc": true, "parentBeatType": { "name": "Hook", "slug": "hook", "status": "active", "canonId": "019dd9b8-01a6-7328-bff2-b22eb40b3ea5", "version": 1, "description": "The opener — a deliberate move to earn attention before any argument. Used by AIDA, Monroes, Pixar Pitch, Overcoming the Monster." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 4, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "balanced", "densityScore": 35, "componentCount": 5, "textChars": 125, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:02.666+00", "seconds": 4.554, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/4", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-4", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.209, "w": 0.079, "x": 0.319, "y": 0.63 }, "kind": "image", "text": "Dave bear mascot", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Illustration", "slug": "illustration", "status": "active", "canonId": "019de52c-fe76-7772-a5ac-c0b7294d7615", "version": 1, "description": null }, "framework": null }, "subkind": "illustration", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:02.666+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "650318cd-b98e-48b4-8fba-501a9b5804ee", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.279, "x": 0.045, "y": 0.709 }, "kind": "image", "text": "Dave logo", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:02.666+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0760f740-3246-4630-9988-f72e5b2f66d6", "parentComponentId": null }, { "bbox": { "h": 0.598, "w": 0.301, "x": 0.599, "y": 0.201 }, "kind": "image", "text": "Woman with headphones and phone", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Photo", "slug": "photo", "status": "active", "canonId": "019de52c-fd37-757f-b4a8-ca26d4888875", "version": 1, "description": null }, "framework": null }, "subkind": "photo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:02.666+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a88a0c0d-7b2a-4619-9ce4-7a5d842fcd2d", "parentComponentId": null }, { "bbox": { "h": 0.019, "w": 0.129, "x": 0.045, "y": 0.309 }, "kind": "paragraph", "text": "OUR STRATEGY", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:02.666+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d7462e4c-963b-4319-b8f9-7475dbaa9c67", "parentComponentId": null }, { "bbox": { "h": 0.216, "w": 0.44, "x": 0.045, "y": 0.369 }, "kind": "title", "text": "Build a superior banking solution for everyday Americans.", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:02.666+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "345a9914-bf48-4210-a294-4bee7e14c6d0", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 7, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 4, "name": "Solution", "beatId": "32db79c9-831e-44e2-b7ee-05e37724a297", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Solution (Provide relief)", "slug": "problem-agitate-solution-solution-provide-relief", "status": "active", "canonId": "019dd9b8-0fee-73e9-9ae5-799c7f3895cd", "version": 1, "description": null }, "evidence": "The document proposes a solution on slides 4 and 7", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [], "locked": true }, { "page": 5, "type": "tension", "function": "diagnose_problem", "rawType": "problem_statement", "block": null, "metadata": { "slideType": "problem_statement", "slideTypeCanon": { "name": "Problem statement", "slug": "problem_statement", "status": "active", "canonId": "019de52d-0879-768d-bba8-8da8a5a121d4", "version": 1, "description": null }, "function": "diagnose_problem", "functionCanon": { "name": "Diagnose problem", "slug": "diagnose_problem", "status": "active", "canonId": "019de52d-176d-761f-b608-cf52262d2ab2", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 88, "componentCount": 8, "textChars": 1040, "nDataPoints": 8, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:06.488+00", "seconds": 8.213, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/5", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-5", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.24, "w": 0.19, "x": 0.76, "y": 0.41 }, "kind": "chart", "text": "62%\n57%\nJan. '24\n2021\n% of Consumers Living\nPaycheck-to-Paycheck", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "239b9fd4-be31-454b-95f9-2590ad367dd3", "parentComponentId": null }, { "bbox": { "h": 0.24, "w": 0.19, "x": 0.76, "y": 0.68 }, "kind": "chart", "text": "9%\n3%\nFeb. '20\nMar. '24\nPersonal Savings Rate", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e8370741-6782-4d23-ba86-10ebe05a3a0d", "parentComponentId": null }, { "bbox": { "h": 0.276, "w": 0.389, "x": 0.05, "y": 0.48 }, "kind": "list", "text": "Trouble managing cash flow\nMinimal to moderate savings\nOverdraft up to 20x per year\nNeed access to affordable credit\nIncludes both young and financially\nchallenged Americans", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e754381e-9259-4fa6-b7c4-daad221815f1", "parentComponentId": null }, { "bbox": { "h": 0.147, "w": 0.401, "x": 0.046, "y": 0.253 }, "kind": "metric", "text": "TAM\n180MM Customers¹", "attrs": null, "canon": { "kind": { "name": "Metric", "slug": "metric", "status": "active", "canonId": "019de52c-f923-73bf-8081-d0b1a8c5264d", "version": 1, "description": "Big-number or KPI value." }, "tool": null, "subkind": { "name": "Big number", "slug": "big-number", "status": "active", "canonId": "019de52c-fc70-70c8-b965-0584548a9204", "version": 1, "description": null }, "framework": null }, "subkind": "big-number", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "39eb61ec-0f78-476f-819d-4b885a5b23c4", "parentComponentId": null }, { "bbox": { "h": 0.147, "w": 0.499, "x": 0.45, "y": 0.253 }, "kind": "metric", "text": "TAM Grew 8% (~14MM\nCustomers) since 2021¹", "attrs": null, "canon": { "kind": { "name": "Metric", "slug": "metric", "status": "active", "canonId": "019de52c-f923-73bf-8081-d0b1a8c5264d", "version": 1, "description": "Big-number or KPI value." }, "tool": null, "subkind": { "name": "Big number", "slug": "big-number", "status": "active", "canonId": "019de52c-fc70-70c8-b965-0584548a9204", "version": 1, "description": null }, "framework": null }, "subkind": "big-number", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e3ba10c1-abe3-4abb-9f7e-8ab201341017", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.236, "x": 0.478, "y": 0.75 }, "kind": "paragraph", "text": "...and further eroding\nconsumer savings balances:\nU.S. savings rate is far below\npre-pandemic levels2", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2a6b27e8-9bac-4ced-bdd1-4c78b4c868e1", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.236, "x": 0.478, "y": 0.49 }, "kind": "paragraph", "text": "Elevated inflation and\ninterest rates are causing\nmore Americans to live\npaycheck to paycheck...3", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "617fdf38-75d7-45d9-8feb-5f803a8caf0d", "parentComponentId": null }, { "bbox": { "h": 0.067, "w": 0.777, "x": 0.108, "y": 0.916 }, "kind": "source-note", "text": "Note: TAM = total addressable market.\n(1) Financial Health Network's \"Financial Health Pulse 2023 U.S. Trends Report\"; 180 million represents the total number of financially vulnerable or financially coping consumers in that study. The corresponding figure in 2021 and 2022 was 166\nand 176 million respectively.\n(2) Source: U.S. Bureau of Economic Analysis\n(3) Source: PYMNTS.com New Reality Check: The Paycheck-To-Paycheck Report, February 2024; values represent simple averages (monthly, annually)", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:06.488+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7d7d7dd6-87ed-44d3-bdbd-ffd8d40c32cf", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Audience Definition", "slug": "audience-definition", "status": "active", "bestFor": null, "canonId": "019dd956-7f2a-775d-aeee-ff099bcb7756", "version": 1, "bodyDocId": null, "description": "Six key questions: Who are they? What do they know? What do they believe? What do they care about? What do they fear? What decisions can they make?", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "b0350623-be64-4f7d-a8cd-7e372cc303a5", "evidence": "financially vulnerable or financially coping Americans", "pageRefs": null, "priority": "Core", "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 03:49:53.680879+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 5, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 6, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "86293667-cc45-491b-a81d-811df31e9580", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "The document identifies the problem and complication on slides 5 and 6", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 7, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 4, "name": "Solution", "beatId": "32db79c9-831e-44e2-b7ee-05e37724a297", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Solution (Provide relief)", "slug": "problem-agitate-solution-solution-provide-relief", "status": "active", "canonId": "019dd9b8-0fee-73e9-9ae5-799c7f3895cd", "version": 1, "description": null }, "evidence": "The document proposes a solution on slides 4 and 7", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 6, "type": "tension", "function": "expose_gap", "rawType": "competitive_analysis", "block": null, "metadata": { "slideType": "competitive_analysis", "slideTypeCanon": { "name": "Competitive analysis", "slug": "competitive_analysis", "status": "active", "canonId": "019de52d-093e-776b-94c6-c1573f5f1a31", "version": 1, "description": null }, "function": "expose_gap", "functionCanon": { "name": "Expose gap", "slug": "expose_gap", "status": "active", "canonId": "019de52d-1795-772d-8f3a-75ccfb93fe58", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 96, "componentCount": 12, "textChars": 1753, "nDataPoints": 16, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:09.08+00", "seconds": 8.975, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/6", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-6", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.04, "w": 0.26, "x": 0.37, "y": 0.17 }, "kind": "callout", "text": "$300 - $400", "attrs": null, "canon": { "kind": { "name": "Callout", "slug": "callout", "status": "active", "canonId": "019de52c-f8d3-761a-8953-7d37080de5e2", "version": 1, "description": "Highlighted callout box." }, "tool": null, "subkind": { "name": "Primary callout", "slug": "primary", "status": "active", "canonId": "019de52c-fbd1-70eb-a9ce-8997f8674c1d", "version": 1, "description": null }, "framework": null }, "subkind": "primary", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0abc5c84-d0b8-41d1-bf5f-25bb91f6cdf4", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.09, "x": 0.68, "y": 0.34 }, "kind": "image", "text": "BANK OF AMERICA", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2973385f-fddf-4f2f-a630-6249e8cf22bf", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.06, "x": 0.39, "y": 0.34 }, "kind": "image", "text": "WELLS FARGO", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "41a1d32d-25dd-4ae0-9402-4c5e79b24fd9", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.09, "x": 0.52, "y": 0.34 }, "kind": "image", "text": "usbank", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4bc518ea-4fdb-498d-b9da-69338dc2da28", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.14, "x": 0.81, "y": 0.34 }, "kind": "image", "text": "Dave®", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8992db33-1e8e-4aec-886d-c666b1f52273", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.06, "x": 0.03, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c2c656a0-af75-4d34-b53e-8d5c6f084d16", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.1, "x": 0.23, "y": 0.34 }, "kind": "image", "text": "CHASE", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "edfb6e40-8019-4c2b-a4d4-a5ce7ae344ee", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.66, "x": 0.17, "y": 0.25 }, "kind": "paragraph", "text": "Average fees paid per year by financially struggling Americans to legacy banks(2)", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "91eea996-5811-4b0a-825f-dd372ccbaf48", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.15, "x": 0.81, "y": 0.78 }, "kind": "paragraph", "text": "Using tech to deliver superior products with a fraction of the overhead", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a36c7dff-9b8e-476c-b795-304d1f2069d5", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.76, "x": 0.11, "y": 0.9 }, "kind": "source-note", "text": "(1) Chase: Overdraft fee charged for overdrafts of $50 or more; bank account fees waived with monthly direct deposits of $500 or more or daily balance of $1,500 or daily balance of $5,000 across Chase accounts.\nWF: Overdraft fee charged for overdrafts of $5 or more; account fees waived only with monthly direct deposits of $500 or daily beginning balance of $500 or 17-24 year old primary account holder or Campus Debit/ATM card linked to account\nUS Bank: Overdraft fee charged for overdrafts of $50 or more; account fees waived only with monthly direct deposits of $1,000 or avg. account balance of $1,500 or greater or presence of a qualified US Bank credit card\nBofA: Overdraft fee charged for overdrafts over $10; bank account fees waived with one of the following: one qualifying direct deposit of at least $250, minimum daily balance of $1,500, or qualify for Preferred Rewards Gold +\n(2) Consumer Financial Protection Bureau: https://www.federalregister.gov/documents/2023/10/17/2023-22869/supervisory-highlights-junk-fees-update-special-edition-issue-31-fall-2023\n(3) Source: company websites.\n(4) Optional fees include instant transfer fees and tips on ExtraCash advances, both of which are optional in nature; approved members are able to disburse their ExtraCash advances via ACH at no cost.", "attrs": { "numbered": true }, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9bf89a9e-8315-468f-9d42-acf16596c15a", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.96, "x": 0.03, "y": 0.33 }, "kind": "table", "text": "Overdraft Cost(1) $34 $35 $36 $10 As low as $0(4)\nAnnual bank account maintenance fees(3) $144 $120 $83 $144 $0\nMinimum balance to avoid account maintenance fees (3) $1,500 $500 $1,500 $1,500 $0", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b8f58586-4a33-4afd-8e4f-6442bbcbc7a9", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.89, "x": 0.05, "y": 0.08 }, "kind": "title", "text": "Legacy banks fail to support everyday consumers", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:09.08+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d631ae00-4fbd-4569-ae51-1f14c046fc2c", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "53b2448a-225a-447f-b956-996518a9143b", "evidence": "table/data: Overdraft Cost(1) $34 $35 $36 $10 As low as $0(4)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 03:49:53.748847+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 6, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 5, "name": "Problem", "beatId": "86293667-cc45-491b-a81d-811df31e9580", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "The document identifies the problem and complication on slides 5 and 6", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. Required for argumentative arcs." }, "alignedBlockIds": null, "matchConfidence": 0.8 }, { "to": 7, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 4, "name": "Solution", "beatId": "32db79c9-831e-44e2-b7ee-05e37724a297", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Solution (Provide relief)", "slug": "problem-agitate-solution-solution-provide-relief", "status": "active", "canonId": "019dd9b8-0fee-73e9-9ae5-799c7f3895cd", "version": 1, "description": null }, "evidence": "The document proposes a solution on slides 4 and 7", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 7, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 76, "componentCount": 7, "textChars": 739, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:07.733+00", "seconds": 4.708, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/7", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-7", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.06, "x": 0.034, "y": 0.91 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6031d787-dbfc-412e-8c57-5e96bce4e866", "parentComponentId": null }, { "bbox": { "h": 0.36, "w": 0.26, "x": 0.723, "y": 0.43 }, "kind": "list", "text": "Deepen\nDave Card offers members a full service, no mandatory fee banking solution built on a light-weight, modern tech stack\nCreates longer-term payments relationship with instant spending and early paycheck access", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0aa99834-5142-43b6-a48b-a39ee475fa68", "parentComponentId": null }, { "bbox": { "h": 0.29, "w": 0.26, "x": 0.047, "y": 0.43 }, "kind": "list", "text": "Acquire\nAcquire efficiently by marketing top of mind liquidity pain points\nScale marketing engine with attractive LTV / CACs and short payback periods", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "80112ff0-ca56-4c91-9161-a6e6ae56ebf6", "parentComponentId": null }, { "bbox": { "h": 0.44, "w": 0.26, "x": 0.385, "y": 0.43 }, "kind": "list", "text": "Engage\nExtraCash provides short-term advances to members in lieu of expensive overdraft fees\nEnabled by CashAI, our AI-driven underwriting\nCapital light product due to short duration\nAutomated settlement", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8e165e93-1e90-47df-839b-f0e9afa0b2e0", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.007, "x": 0.95, "y": 0.91 }, "kind": "source-note", "text": "7", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6aa824dc-4235-4521-9e0b-a4ddf1f30e1d", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.73, "x": 0.047, "y": 0.15 }, "kind": "title", "text": "Achieve highly-efficient CAC by addressing members' most crucial need—Liquidity—and then deepening into long-term banking relationships", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Action title", "slug": "action-title", "status": "active", "canonId": "019de52c-fb31-734c-a0f5-a3935b73135d", "version": 1, "description": null }, "framework": null }, "subkind": "action-title", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f04453b6-7373-4cb4-9382-eb516c4f4b10", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.59, "x": 0.047, "y": 0.08 }, "kind": "title", "text": "Differentiated business strategy", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:07.733+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "94cd3729-cb90-43bf-b8de-246b8950bb0c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 7, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 4, "name": "Solution", "beatId": "32db79c9-831e-44e2-b7ee-05e37724a297", "matchId": "a9fbef10-3177-4914-bdd2-6439328fdd87", "beatType": { "name": "Solution (Provide relief)", "slug": "problem-agitate-solution-solution-provide-relief", "status": "active", "canonId": "019dd9b8-0fee-73e9-9ae5-799c7f3895cd", "version": 1, "description": null }, "evidence": "The document proposes a solution on slides 4 and 7", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 0.8 } ], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 8, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 69, "componentCount": 5, "textChars": 960, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:11.229+00", "seconds": 4.74, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/8", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-8", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.49, "w": 0.18, "x": 0.79, "y": 0.26 }, "kind": "image", "text": "Screenshot of Dave app showing Extra Cash balance + advance of $250, with options to Add funds or Transfer.", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Screenshot", "slug": "screenshot", "status": "active", "canonId": "019de52c-fd87-7509-8391-3d79fb339379", "version": 1, "description": null }, "framework": null }, "subkind": "screenshot", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.229+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "17cda8c5-6b9d-40e2-9a94-74a7bbc9366a", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.13, "x": 0.81, "y": 0.43 }, "kind": "metric", "text": "$250", "attrs": null, "canon": { "kind": { "name": "Metric", "slug": "metric", "status": "active", "canonId": "019de52c-f923-73bf-8081-d0b1a8c5264d", "version": 1, "description": "Big-number or KPI value." }, "tool": null, "subkind": { "name": "Big number", "slug": "big-number", "status": "active", "canonId": "019de52c-fc70-70c8-b965-0584548a9204", "version": 1, "description": null }, "framework": null }, "subkind": "big-number", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.229+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bdca9cfe-bf41-4294-a64f-b110414031ec", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.007, "x": 0.953, "y": 0.93 }, "kind": "source-note", "text": "8", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.229+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1e6a0ce2-d159-4acc-ad45-4fb4be8afa6c", "parentComponentId": null }, { "bbox": { "h": 0.72, "w": 0.74, "x": 0.049, "y": 0.19 }, "kind": "table", "text": "ExtraCash Attribute: Advance Size, Term, Underwriting, How Dave Makes Money. Benefits to Member: Bridges gaps between paychecks for essential expenses, aligns with pay-cycle to smooth liquidity gaps, instant decisioning, no credit score or relationship requirements, fee-free option, instant access to funds, consumer friendly, more affordable than overdraft fees & other short-term credit; no late fees. Benefits to Dave: Efficient CAC by quickly addressing member pain point, strategic entry point into banking relationship, capital / balance sheet light, short duration → rapid underwriting optimization, real-time data allows to be highly responsive to changes in credit profiles, optionality bolsters CAC efficiency, tips and instant transfer fees provide predictable monetization and favorable unit economics.", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.229+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e17d2af5-706a-4d50-bc34-70451bc581ec", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.62, "x": 0.049, "y": 0.07 }, "kind": "title", "text": "Dave's ExtraCash product overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.229+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "82cb19c8-3f6d-415e-99ca-b2c1d6d03992", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 9, "type": "setup", "function": "present_solution", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "present_solution", "functionCanon": { "name": "Present solution", "slug": "present_solution", "status": "active", "canonId": "019de52d-15b8-71da-bd23-2b767850cbce", "version": 1, "description": null }, "density": "balanced", "densityScore": 49, "componentCount": 3, "textChars": 1226, "nDataPoints": 2, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:10.99+00", "seconds": 4.035, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/9", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-9", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.46, "w": 0.16, "x": 0.79, "y": 0.31 }, "kind": "image", "text": "Dave debit card", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Photo", "slug": "photo", "status": "active", "canonId": "019de52c-fd37-757f-b4a8-ca26d4888875", "version": 1, "description": null }, "framework": null }, "subkind": "photo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:10.99+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ba78f540-6c19-456f-a973-1364c85148ae", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.66, "x": 0.113, "y": 0.953 }, "kind": "source-note", "text": "Refers to fee income which is paid to us by our bank sponsor, Evolve Bank & Trust, based on Dave Member deposits.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:10.99+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "62c567f7-a4b0-482a-9fdb-7ab9acea50ed", "parentComponentId": null }, { "bbox": { "h": 0.68, "w": 0.72, "x": 0.047, "y": 0.19 }, "kind": "table", "text": "Dave Card Attribute, Benefits to Member, Benefits to Dave, Spending, Dave Debit Card, Members automatically receive Dave bank account, Builds deeper payment relationship with members, Better member retention, Funding, ExtraCash Paycheck Check Deposits, ExtraCash instantly available, 2 day early access to paychecks, Remote check deposit capture, Incentivizes cross-attach: ExtraCash and Dave Card, Payments, ATM Withdrawals Instant Withdrawal, Fee-free ATM transactions at network of 40K terminals, Instant withdrawal capabilities, Fee income on Out of Network ATM transactions, Instant withdrawal (\"IW\") fees, Saving, Goals Account, 4% APY on DDA & Goals accounts, Allows members to set aside money towards milestones, Round-up feature boosts savings, Supports constructive habits with members' finances, Incentivizes Dave Card engagement, How Dave Makes Money, Interchange, incentives, deposit referral fees, IW fees, ATM fees, No minimum balances, No account maintenance fees, No overdraft fees, Primarily merchant & vendor driven revenue streams, Consistent revenue stream, Zero CAC cross sell", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:10.99+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7fe2dc61-2c5f-47d2-b08a-1f8dc2224eba", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 10, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 8, "componentCount": 3, "textChars": 16, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:11.026+00", "seconds": 2.827, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/10", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-10", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.028, "w": 0.06, "x": 0.034, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.026+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "725610e4-be24-4c74-974a-1e8a5865fb2a", "parentComponentId": null }, { "bbox": { "h": 0.028, "w": 0.02, "x": 0.92, "y": 0.92 }, "kind": "source-note", "text": "10", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.026+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f83eb80e-1e77-4b2a-9889-6c39b6b7e30e", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.26, "x": 0.083, "y": 0.438 }, "kind": "title", "text": "Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:11.026+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b7518d3e-6a2f-4fc9-9fa8-fcbc187eea19", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 11, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 72, "componentCount": 6, "textChars": 523, "nDataPoints": 12, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:14.866+00", "seconds": 5.065, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/11", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-11", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.56, "w": 0.21, "x": 0.31, "y": 0.25 }, "kind": "chart", "text": "Adjusted EBITDA: ($5M) (1Q23), $13M (1Q24), $18m Y-o-Y Improvement", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.866+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6846aef5-b6d6-4977-bbb4-978cf87ddb54", "parentComponentId": null }, { "bbox": { "h": 0.56, "w": 0.21, "x": 0.06, "y": 0.25 }, "kind": "chart", "text": "Total Revenue: $59M (1Q23), $74M (1Q24), 25% Y-o-Y Growth, Second consecutive quarter of accelerating growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.866+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6dd5d4ee-9599-4aea-aed0-0d1c95b518d9", "parentComponentId": null }, { "bbox": { "h": 0.56, "w": 0.21, "x": 0.77, "y": 0.25 }, "kind": "chart", "text": "28-Day Delinquency Rate: 2.60% (1Q23), 1.83% (1Q24), 77bps Y-o-Y Reduction", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.866+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7a62e592-c87e-4a8f-8986-93ab006e0f5f", "parentComponentId": null }, { "bbox": { "h": 0.56, "w": 0.21, "x": 0.54, "y": 0.25 }, "kind": "chart", "text": "ExtraCash Origination Volume: $798M (1Q23), $1,050M (1Q24), 32% Y-o-Y Growth", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.866+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c4edaec7-34f3-48df-b183-07750073c72e", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.605, "x": 0.113, "y": 0.94 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Origination Volume, 28 Day Average Quarterly Delinquency Rate, and Adjusted EBITDA. Note: See Appendix for reconciliation of Non-GAAP measures.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.866+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4b5feef8-8f46-42f1-aba4-266eff7d1f9b", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.31, "x": 0.045, "y": 0.093 }, "kind": "title", "text": "1Q24 Highlights", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.866+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b20ff9a8-6c0e-4dc5-a473-638c92d1c0f8", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 11, "from": 5, "loop": { "name": "27_cost_of_inaction", "slug": "27-cost-of-inaction", "status": "active", "bestFor": "Urgent budget requests, compliance, risk mitigation", "canonId": "019dd956-70d1-7395-a15b-857ba858b394", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point", "description": "Quantify what happens if the audience does nothing", "familyLabel": null }, "matchId": "eb338f16-869a-4d4a-a1c2-fa3d70fbaac1", "evidence": "The document highlights the cost of inaction on slide 5 and provides financial performance on slides 10-11", "position": 0, "objective": "Highlight the cost of inaction for investors", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.387492+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 12, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "balanced", "densityScore": 47, "componentCount": 3, "textChars": 680, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:14.253+00", "seconds": 4.306, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/12", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-12", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.78, "x": 0.138, "y": 0.95 }, "kind": "source-note", "text": "See Glossary for the definition of Adjusted EBITDA which is a Non-GAAP measure. The Company does not provide a quantitative reconciliation of forward-looking non-GAAP financial measures because it is unable to predict without unreasonable effort the exact amount or timing of the reconciling items, including interest expense, investment income, and loss provision among others. The variability of these items could have a significant impact on our future GAAP financial results.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.253+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "79724eb4-fe2e-422e-8b26-4844d8c6fd33", "parentComponentId": null }, { "bbox": { "h": 0.51, "w": 0.89, "x": 0.05, "y": 0.23 }, "kind": "table", "text": "($MM) Prior New GAAP Revenue: $305 - $325 Unchanged Y-o-Y Growth: 18% - 25% Adjusted EBITDA(1): $25 - $35 $30 - $40 Y-o-Y $ Improvement: $35 - $45 $40 - $50", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.253+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "55e6357e-2b3b-40ae-8eba-2b8fcedaf8af", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.84, "x": 0.045, "y": 0.09 }, "kind": "title", "text": "Raising fiscal year 2024 Adj. EBITDA guidance", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.253+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ebaceadd-e8b0-4b91-a60e-e22d27040698", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "71450ef1-0cef-4990-b08f-df40e17e80df", "evidence": "The slide contains a table/data with financial guidance information.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 04:00:30.043448+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 12, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 13, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 3, "componentCount": 2, "textChars": 26, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:14.116+00", "seconds": 2.871, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/13", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-13", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.03333333, "w": 0.0609375, "x": 0.0390625, "y": 0.9166667 }, "kind": "image", "text": "Dave logo", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.116+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d26bdd54-3244-4001-8671-4b981453217e", "parentComponentId": null }, { "bbox": { "h": 0.08333333, "w": 0.446875, "x": 0.084375, "y": 0.4472222 }, "kind": "title", "text": "Business Strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:14.116+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "44444612-500c-44ad-b212-84b29bc60917", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 14, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 67, "componentCount": 6, "textChars": 606, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:15.953+00", "seconds": 4.611, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/14", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-14", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.06, "x": 0.035, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:15.953+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3194f432-3c28-4e4e-b6bf-d8d67940e85f", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.29, "x": 0.385, "y": 0.428 }, "kind": "list", "text": "Engage\n• ExtraCash provides short-term advances to members in lieu of expensive overdraft fees\n• Enabled by CashAI, our AI-driven underwriting\n• Capital light product due to short duration\n• Automated settlement", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:15.953+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "57dfbd87-d941-416c-8dce-d7477142e572", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.29, "x": 0.721, "y": 0.428 }, "kind": "list", "text": "Deepen\n• Dave Card offers members a full service, no mandatory fee banking solution built on a light-weight, modern tech stack\n• Creates longer-term payments relationship with instant spending and early paycheck access", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:15.953+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6c6dbcf5-b786-4846-87d5-ec7b2b85c618", "parentComponentId": null }, { "bbox": { "h": 0.26, "w": 0.29, "x": 0.049, "y": 0.428 }, "kind": "list", "text": "Acquire\n• Acquire efficiently by marketing top of mind liquidity pain points\n• Scale marketing engine with attractive LTV / CACs and short payback periods", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:15.953+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ddb6a694-4a2f-4287-bc93-af7830cd90d9", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.02, "x": 0.936, "y": 0.92 }, "kind": "source-note", "text": "14", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:15.953+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d6c6ca4a-ba54-470d-9aa6-7be6df70ff01", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.34, "x": 0.049, "y": 0.08 }, "kind": "title", "text": "Business strategy", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:15.953+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "8c5e5676-7d99-4bfa-b41e-b109efccb028", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Problem-Agitate-Solve (PAS)", "slug": "problem-agitate-solve-pas", "status": "active", "bestFor": null, "canonId": "019dd956-869f-7564-8d42-de54ed29ab90", "version": 1, "bodyDocId": null, "description": "Identify problem, agitate the pain, present the solution", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "fc2c6e38-dc3a-4e60-9119-6ffa6e3a22ed", "evidence": "list/bullet: Deepen, Engage, Acquire", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 04:00:53.613635+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 14, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 15, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 72, "componentCount": 5, "textChars": 1177, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:16.618+00", "seconds": 4.87, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/15", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-15", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.75, "w": 0.51, "x": 0.44, "y": 0.12 }, "kind": "chart", "text": "CAC and New Member Acquisition (000s)\n1Q23: New Member Acquisition 587k, CAC $16\n2Q23: New Member Acquisition 739k, CAC $20\n3Q23: New Member Acquisition 821k, CAC $17\n4Q23: New Member Acquisition 683k, CAC $15\n1Q24: New Member Acquisition 566k, CAC $16", "attrs": { "series": [ { "data": [ 587, 739, 821, 683, 566 ], "name": "New Member Acquisition (000)" }, { "data": [ 16, 20, 17, 15, 16 ], "name": "CAC" } ], "chart_type": "bar-vertical", "x_axis_label": "Quarter", "y_axis_label": "Customer Acquisition Cost / New Member Acquisition (000s)" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:16.618+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2ab578df-1190-4418-b282-38361b2bdaa5", "parentComponentId": null }, { "bbox": { "h": 0.13, "w": 0.35, "x": 0.045, "y": 0.69 }, "kind": "paragraph", "text": "We expect to expand marketing spend over the coming quarters to capitalize on demand for ExtraCash and higher ROIs we can achieve at greater scale in those periods. The member acquisition environment remains constructive thus far in 2Q despite potential election impacts.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:16.618+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "74ee334a-95bf-498c-b45f-3a3af9b0f259", "parentComponentId": null }, { "bbox": { "h": 0.078, "w": 0.35, "x": 0.045, "y": 0.263 }, "kind": "paragraph", "text": "Member acquisition performance reflects our marketing investment discipline that focuses on new member MTM conversion in addition to our emphasis on existing member retention and reactivation.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:16.618+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cc112edf-1e32-4dd4-b3ee-4b840f6f9d66", "parentComponentId": null }, { "bbox": { "h": 0.246, "w": 0.35, "x": 0.045, "y": 0.41 }, "kind": "paragraph", "text": "In 1Q24, we acquired 566k new members, down 4% YoY as we were able to achieve our monthly transacting member growth targets at lower levels of acquisition and spend. CACs were flat YoY and up 10% QoQ due to seasonal softness associated with tax refunds which help to support the liquidity needs of our members. This seasonality typically leads to lower response rates on our marketing campaigns.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:16.618+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e44d8b01-f903-4015-a5e4-ea02467ba0cf", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.24, "x": 0.429, "y": 0.97 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Customer Acquisition Costs", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:16.618+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "66ea7b1f-5f36-4455-90ad-ea1d29d3d3d5", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 16, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 79, "componentCount": 6, "textChars": 907, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:20.255+00", "seconds": 5.963, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/16", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-16", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.73, "w": 0.488, "x": 0.437, "y": 0.149 }, "kind": "chart", "text": "Total Members (MMs) 24% Year-Over-Year Growth 8.7 9.3 9.9 10.4 10.8 1Q23 2Q23 3Q23 4Q23 1Q24", "attrs": { "chart_type": "bar", "series_names": [ "Total Members" ], "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:20.255+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dead3aa4-cf6f-4a59-ba64-6beb8419d1d2", "parentComponentId": null }, { "bbox": { "h": 0.099, "w": 0.319, "x": 0.045, "y": 0.384 }, "kind": "paragraph", "text": "This formula, bolstered by Dave's brand strength and acquisition efficiency, has continued to drive substantial growth in the member base to 10.8mm in 1Q24, up 24% YoY.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:20.255+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2a06f486-627b-4d11-9010-7676674710f0", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.319, "x": 0.045, "y": 0.26 }, "kind": "paragraph", "text": "We differentiate by first addressing Members' most crucial need—liquidity—and then building long-term banking relationships.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:20.255+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3bd67b9e-e890-4587-9430-dee343bb231d", "parentComponentId": null }, { "bbox": { "h": 0.139, "w": 0.319, "x": 0.045, "y": 0.54 }, "kind": "paragraph", "text": "Our addressable market remains large and growing, at 180mm U.S. consumer in 2023, up 8% from 2021¹. 75% of Dave members are either Millennial or Gen Z, implying strong potential for our members to grow with Dave over time.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:20.255+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d88a4b29-dd3b-4b55-8c6a-e6ec586c216b", "parentComponentId": null }, { "bbox": { "h": 0.044, "w": 0.467, "x": 0.458, "y": 0.909 }, "kind": "source-note", "text": "Source: Financial Health Network's \"Financial Health Pulse 2023 U.S. Trends Report\"; 180 million represents the total number of financially vulnerable or financially coping consumers in that study. The corresponding figure in 2021 and 2022 was 166 and 176 million respectively.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:20.255+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "72a66370-4400-4b8c-9ad3-17270910b81f", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.319, "x": 0.045, "y": 0.092 }, "kind": "title", "text": "Significant member scale", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:20.255+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7e08fd0f-b8c7-492e-bea9-6a015423360e", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 17, "type": "resolution", "function": "plan_implementation", "rawType": "roadmap", "block": null, "metadata": { "slideType": "roadmap", "slideTypeCanon": { "name": "Roadmap", "slug": "roadmap", "status": "active", "canonId": "019de52d-0a55-72bc-9b7b-a47ef109839c", "version": 1, "description": null }, "function": "plan_implementation", "functionCanon": { "name": "Plan implementation", "slug": "plan_implementation", "status": "active", "canonId": "019de52d-14a2-77ea-b210-d6a95eed4823", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 7, "textChars": 591, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:19.912+00", "seconds": 5.338, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/17", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-17", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.64, "w": 0.906, "x": 0.047, "y": 0.23 }, "kind": "diagram", "text": "Acquire, Engage, Deepen", "attrs": null, "canon": { "kind": { "name": "Diagram", "slug": "diagram", "status": "active", "canonId": "019de52c-f9f0-734a-81de-15382ff28c65", "version": 1, "description": "Schematic or relational diagram." }, "tool": null, "subkind": { "name": "Timeline", "slug": "timeline", "status": "active", "canonId": "019de52d-03c5-73fc-84aa-4180cbf0f5cf", "version": 1, "description": null }, "framework": null }, "subkind": "timeline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "347a5f19-7d62-4715-9fbe-d4e85b04ccd3", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.06, "x": 0.034, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "067ecf16-da69-4a68-8090-6f3da32d83ca", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.31, "x": 0.385, "y": 0.38 }, "kind": "list", "text": "ExtraCash provides short-term advances to members in lieu of expensive overdraft fees\nEnabled by CashAI, our AI-driven underwriting\nCapital light product due to short duration\nAutomated settlement", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1a5b5b9e-e6df-41e1-bd2e-141154d7bc8e", "parentComponentId": null }, { "bbox": { "h": 0.29, "w": 0.26, "x": 0.71, "y": 0.38 }, "kind": "list", "text": "Dave Card offers members a full service, no mandatory fee banking solution built on a light-weight, modern tech stack\nCreates longer-term payments relationship with instant spending and early paycheck access", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "75b8f8a0-cd2f-4fab-90bc-2106d14f18ce", "parentComponentId": null }, { "bbox": { "h": 0.19, "w": 0.26, "x": 0.06, "y": 0.38 }, "kind": "list", "text": "Acquire efficiently by marketing top of mind liquidity pain points\nScale marketing engine with attractive LTV / CACs and short payback periods", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "95f6215d-5afd-4eac-9e29-328f56f8d4bd", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.018, "x": 0.94, "y": 0.92 }, "kind": "source-note", "text": "17", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "92546c47-91ad-4b3a-a612-1e6e90773010", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.36, "x": 0.047, "y": 0.09 }, "kind": "title", "text": "Business strategy", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:19.912+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "260c45e5-482c-48cc-af1d-421292002744", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Three-Act Structure", "slug": "three-act-structure", "status": "active", "bestFor": null, "canonId": "019dd956-8812-7796-9105-e7bc0e405681", "version": 1, "bodyDocId": null, "description": "Setup, Confrontation, Resolution - classic dramatic structure", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "e387cb82-bb1b-4a3d-900a-1996eca90a4c", "evidence": "The slide presents a business strategy with three stages: Acquire, Engage, Deepen.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:22.786417+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 17, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 18, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 84, "componentCount": 7, "textChars": 961, "nDataPoints": 8, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:21.657+00", "seconds": 6.34, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/18", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-18", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.73, "w": 0.507, "x": 0.438, "y": 0.149 }, "kind": "chart", "text": "Total Monthly Transacting Members (MMs)\n14% Year-Over-Year Growth\n2.0, 1.9, 1.9, 2.1, 2.2\n1Q23, 2Q23, 3Q23, 4Q23, 1Q24", "attrs": { "chart_type": "bar", "data_series": [ { "name": "MTMs", "values": [ 2, 1.9, 1.9, 2.1, 2.2 ] } ], "y_axis_label": "MMs", "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4be410ed-0682-4bf0-bc46-e8f344d27faf", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.06, "x": 0.035, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "578d103e-caa1-45f1-8de4-b351fa104798", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.32, "x": 0.046, "y": 0.205 }, "kind": "paragraph", "text": "MTMs grew 14% YoY as our credit-first value proposition and banking product suite continued to drive improvements in new member conversion and existing user retention rates.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4b940fe4-62cf-4c25-b676-0a5298baf539", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.32, "x": 0.046, "y": 0.307 }, "kind": "paragraph", "text": "Total MTMs were up 6% QoQ in 1Q24 despite seasonal headwinds to ExtraCash demand as a result of tax refund season. In mid-4Q23, we completed the transition to a new subscription billing system, which resolved a headwind to MTM engagement. 1Q24 reflected a full quarter impact under this new system which allows us to pursue expanded subscription opportunities going forward.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "82afb45d-bef6-4dd4-9321-f4eca8e438bf", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.32, "x": 0.046, "y": 0.63 }, "kind": "paragraph", "text": "We remain focused on converting new members into MTMs, retaining and deepening engagement among our existing MTM base, and continuing to realize the reactivation potential of our 8mm+ non-transacting members.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "df36dffa-f652-4718-9874-958b772df037", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.29, "x": 0.44, "y": 0.946 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Monthly Transacting Members", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "497ea69b-15b0-48e1-bf24-8691ac1b59b3", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.32, "x": 0.046, "y": 0.09 }, "kind": "title", "text": "Solid engagement", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.657+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6baaef73-632e-43ef-b92c-4c0dcd4de33c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 19, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 5, "textChars": 1201, "nDataPoints": 8, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:21.302+00", "seconds": 4.879, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/19", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-19", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.74, "w": 0.502, "x": 0.439, "y": 0.144 }, "kind": "chart", "text": "ExtraCash Origination Volume ($MM)\n32% Year-Over-Year Growth\n$798 1Q23\n$867 2Q23\n$932 3Q23\n$1,032 4Q23\n$1,050 1Q24", "attrs": { "data_series": [ { "name": "ExtraCash Origination Volume", "values": [ 798, 867, 932, 1032, 1050 ] } ], "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.302+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "86e6c6e2-1b6f-45ec-b1e4-238dea9ca728", "parentComponentId": null }, { "bbox": { "h": 0.24, "w": 0.35, "x": 0.033, "y": 0.412 }, "kind": "paragraph", "text": "Originations grew 32% YoY, driven by increases in MTMs, avg. advance size, and # of advances taken per MTM. This growth reflects ongoing execution of our ExtraCash product roadmap and commitment to expanding and deepening our core value proposition. Originations grew 2% sequentially despite seasonal headwinds from tax refunds, as CashAl continues to approve more Dave members while improving credit performance.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.302+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0ebbd100-eb0c-4495-9006-2bc8c977dcf2", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.35, "x": 0.033, "y": 0.201 }, "kind": "paragraph", "text": "We continue to achieve record levels of ExtraCash originations, as we disbursed over $1bn for the second consecutive quarter. Our ability to sustain substantial growth in originations demonstrates both the depth and breadth of our TAM as well as our core competency in addressing members' need for short-term liquidity.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.302+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "acf49750-894f-4e23-9380-e857d46e2d1f", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.35, "x": 0.033, "y": 0.69 }, "kind": "paragraph", "text": "Over $1bn of originations translated into a $105mm net receivables balance as of 3/31/24. The ExtraCash product structure allows us to serve a large number of MTMs without the need for a sizable, capital intensive balance sheet or taking significant credit risk exposure at any one point in time.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.302+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bc44c7f3-aeb5-4763-be0e-1181607d77ea", "parentComponentId": null }, { "bbox": { "h": 0.012, "w": 0.229, "x": 0.429, "y": 0.94 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Origination Volume", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.302+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d9b81cce-a548-405e-b821-7de324f13d9c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 20, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "balanced", "densityScore": 49, "componentCount": 4, "textChars": 415, "nDataPoints": 11, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:21.83+00", "seconds": 4.86, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/20", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-20", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.65, "w": 0.44, "x": 0.509, "y": 0.21 }, "kind": "chart", "text": "Average Revenue per ExtraCash Advance (1); 1Q23: $9.0, 2Q23: $8.8, 3Q23: $8.5, 4Q23: $8.9, 1Q24: $9.0", "attrs": { "chart_type": "bar", "series_count": 1, "series_names": [ "Average Revenue per ExtraCash Advance" ], "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [ "$9.0", "$8.8", "$8.5", "$8.9", "$9.0" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.83+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "14af366f-0460-4929-b31d-a4dbc58a7171", "parentComponentId": null }, { "bbox": { "h": 0.65, "w": 0.44, "x": 0.05, "y": 0.21 }, "kind": "chart", "text": "Average ExtraCash Advance Size; 3% Year-Over-Year Growth; 1Q23: $154, 2Q23: $156, 3Q23: $147, 4Q23: $153, 1Q24: $159", "attrs": { "chart_type": "bar", "series_count": 1, "series_names": [ "Average ExtraCash Advance Size" ], "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [ "$154", "$156", "$147", "$153", "$159" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.83+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ec257843-154e-48cb-b7ae-199a16e5ed4c", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.523, "x": 0.125, "y": 0.947 }, "kind": "source-note", "text": "(1) Average Revenue per ExtraCash Advance defined as sum of Tips (GAAP) + Fees (GAAP) generated divided by total advances disbursed over a given period.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.83+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "17274eed-4cbe-40fd-aa40-339fe4213194", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.829, "x": 0.049, "y": 0.08 }, "kind": "title", "text": "ExtraCash Advance Size and Revenue Per Advance", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:21.83+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bed82792-74d7-42be-b03e-89d306925069", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 21, "type": "analysis", "function": "diagnose_problem", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "diagnose_problem", "functionCanon": { "name": "Diagnose problem", "slug": "diagnose_problem", "status": "active", "canonId": "019de52d-176d-761f-b608-cf52262d2ab2", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 5, "textChars": 1268, "nDataPoints": 21, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:25.658+00", "seconds": 5.233, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/21", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-21", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.77, "w": 0.52, "x": 0.44, "y": 0.11 }, "kind": "chart", "text": "Quarterly Average 28-Day Delinquency Rate; 5.93%, 4.87%, 3.52%, 3.06%, 4.47%, 4.20%, 3.48%, 3.27%, 4.07%, 3.67%, 3.58%, 2.60%, 2.83%, 2.42%, 2.19%, 1.83%", "attrs": { "x_axis_labels": [ "1Q20", "2Q20", "3Q20", "4Q20", "1Q21", "2Q21", "3Q21", "4Q21", "1Q22", "2Q22", "3Q22", "4Q22", "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.658+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f1777be8-b644-4973-a9e3-8bcdc31ed437", "parentComponentId": null }, { "bbox": { "h": 0.17, "w": 0.35, "x": 0.042, "y": 0.57 }, "kind": "paragraph", "text": "Our underwriting is differentiated as CashAI primarily uses bank account transaction data to assess risk, allowing us to detect, nearly in real-time, changes in income, spending, savings, and employment. FICO-based credit decisions rely on heavily-lagged bureau data which was often artificially inflated by fiscal stimulus impacts from 2020-2021.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.658+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2bfa691a-16d6-4585-9160-418388a5bd91", "parentComponentId": null }, { "bbox": { "h": 0.07, "w": 0.35, "x": 0.042, "y": 0.79 }, "kind": "paragraph", "text": "The short-term nature of ExtraCash allows us to manage credit risk exposure and observe impacts of underwriting changes within weeks of implementation.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.658+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5b32d067-180e-47cb-aca0-a691e3959b3f", "parentComponentId": null }, { "bbox": { "h": 0.29, "w": 0.35, "x": 0.042, "y": 0.24 }, "kind": "paragraph", "text": "1Q24 was another record period for credit performance: 28-day delinquency rate was down 77bps YoY to 1.83%, the lowest in Dave's history, while originations grew by 32% over the same period. CashAI continues to demonstrate its efficacy by sustaining improvements in credit performance. Bolstered by tax refunds, 1Q is typically our strongest period for credit performance; consistent with historical trends, we expect delinquency rates to normalize modestly in 2Q-4Q, albeit maintaining the improvements we've delivered on a YoY basis.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.658+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d264b0a8-ab47-4281-9df9-2e71f0a1a554", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.47, "x": 0.44, "y": 0.95 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Quarterly Average 28 Day Delinquency Rate", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.658+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b47e068a-032a-490b-9e2c-53582cd212b7", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 22, "type": "setup", "function": "propose_solution", "rawType": "propose_solution", "block": null, "metadata": { "slideType": "propose_solution", "slideTypeCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-1274-703c-81c6-5550f451697b", "version": 1, "description": null }, "function": "propose_solution", "functionCanon": { "name": "Propose solution (contrarian)", "slug": "propose_solution", "status": "active", "canonId": "019de52d-185b-74e9-bdfd-ea8cf318563f", "version": 1, "description": null }, "density": "dense", "densityScore": 73, "componentCount": 7, "textChars": 613, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:25.091+00", "seconds": 4.522, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/22", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-22", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.03, "w": 0.899, "x": 0.049, "y": 0.219 }, "kind": "diagram", "text": "Acquire, Engage, Deepen", "attrs": {}, "canon": { "kind": { "name": "Diagram", "slug": "diagram", "status": "active", "canonId": "019de52c-f9f0-734a-81de-15382ff28c65", "version": 1, "description": "Schematic or relational diagram." }, "tool": null, "subkind": { "name": "Process flow", "slug": "process", "status": "active", "canonId": "019de52d-039c-718f-ad3a-efe9c4b3c838", "version": 1, "description": null }, "framework": null }, "subkind": "process", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f86a8456-07ed-4c40-be8e-89dc2206ca76", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.06, "x": 0.035, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6c2f34fd-b302-4961-b9c3-d97eec8cdb7d", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.239, "x": 0.723, "y": 0.33 }, "kind": "list", "text": "Deepen\nDave Card offers members a full service, no mandatory fee banking solution built on a light-weight, modern tech stack\nCreates longer-term payments relationship with instant spending and early paycheck access", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "113cea22-ead5-48f7-9dfc-74a921a30ede", "parentComponentId": null }, { "bbox": { "h": 0.44, "w": 0.299, "x": 0.049, "y": 0.33 }, "kind": "list", "text": "Acquire\nAcquire efficiently by marketing top of mind liquidity pain points\nScale marketing engine with attractive LTV / CACs and short payback periods", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4cdd292b-8fa8-4cfd-86ec-3033c3a198bc", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.309, "x": 0.386, "y": 0.33 }, "kind": "list", "text": "Engage\nExtraCash provides short-term advances to members in lieu of expensive overdraft fees\nEnabled by CashAI, our AI-driven underwriting\nCapital light product due to short duration\nAutomated settlement", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a4701cf4-81c7-4b50-94f6-f90a5b532ca7", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.019, "x": 0.93, "y": 0.93 }, "kind": "source-note", "text": "22", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7f99531f-0b1c-4421-ba2f-b64e67ff2a8f", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.34, "x": 0.049, "y": 0.09 }, "kind": "title", "text": "Business strategy", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:25.091+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7d7dda7a-3ab6-4f2c-9687-0bceb240d895", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Three-Act Structure", "slug": "three-act-structure", "status": "active", "bestFor": null, "canonId": "019dd956-8812-7796-9105-e7bc0e405681", "version": 1, "bodyDocId": null, "description": "Setup, Confrontation, Resolution - classic dramatic structure", "familyLabel": null, "categoryName": "Block", "categorySlug": "block" }, "agent": "Storyteller", "layer": "slide", "agents": [ "Storyteller" ], "matchId": "27784520-49b1-433e-8458-6eb27755403d", "evidence": "The slide presents a business strategy with three stages: Acquire, Engage, Deepen.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:22.991486+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 22, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 23, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "dense", "densityScore": 69, "componentCount": 5, "textChars": 866, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:26.208+00", "seconds": 4.643, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/23", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-23", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.73, "w": 0.496, "x": 0.437, "y": 0.13 }, "kind": "chart", "text": "Dave Card Spend Volumes ($MM)\n34% Year-Over-Year Growth\n$295 1Q23\n$304 2Q23\n$341 3Q23\n$369 4Q23\n$394 1Q24", "attrs": { "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [ "$295", "$304", "$341", "$369", "$394" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:26.208+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "65885b6a-6ee8-4d25-859f-496a22c146dd", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.35, "x": 0.044, "y": 0.72 }, "kind": "paragraph", "text": "We remain focused on the optimization of the combined credit + banking member experience to drive further adoption and growth of the Dave Card in 2024.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:26.208+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "841694d0-dee8-4a68-9973-d08de8e83316", "parentComponentId": null }, { "bbox": { "h": 0.149, "w": 0.35, "x": 0.044, "y": 0.263 }, "kind": "paragraph", "text": "Our Dave Card strategy leverages our market-leading ExtraCash value proposition to drive top-of-wallet spending behavior and build longer-term banking relationships with our members.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:26.208+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9e2a0756-d373-4e7f-84db-0b6e3d99d168", "parentComponentId": null }, { "bbox": { "h": 0.246, "w": 0.35, "x": 0.044, "y": 0.446 }, "kind": "paragraph", "text": "Dave Card spend grew 34% YoY reflecting our strategy of incentivizing bank cross-attach via discounted express fees for advance disbursements sent to Dave Spend accounts, alongside continued incremental improvements in our broader bank product (such as 4.00% APY on checking and saving balances and optional Round-Up savings) that drove growth in external funding.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:26.208+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "cd081dc3-5ad9-48ad-8802-be6a6bde03ea", "parentComponentId": null }, { "bbox": { "h": 0.012, "w": 0.299, "x": 0.425, "y": 0.965 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Dave Card Spend Volumes", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:26.208+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "34bf438a-2b88-4324-86fc-8f286cb6a30f", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 24, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 84, "componentCount": 7, "textChars": 1016, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:58:34.358+00", "seconds": 6.68, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/24", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-24", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.73, "w": 0.48, "x": 0.44, "y": 0.14 }, "kind": "chart", "text": "Average Monthly Transactions per Monthly Transacting Member; 15% Year-Over-Year Growth; 1Q23: 5.3, 2Q23: 5.7, 3Q23: 6.4, 4Q23: 6.4, 1Q24: 6.0", "attrs": { "title": "Average Monthly Transactions per Monthly Transacting Member", "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_values": [ 5.3, 5.7, 6.4, 6.4, 6 ], "trend_line_label": "15% Year-Over-Year Growth" }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "f5c8dd26-087b-4489-bc9b-c4b42664b4dd", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.07, "x": 0.037, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b15b5986-9393-4ff3-867d-725b92a9eb47", "parentComponentId": null }, { "bbox": { "h": 0.18, "w": 0.33, "x": 0.044, "y": 0.305 }, "kind": "paragraph", "text": "Growth in transactions per transacting member represents Dave gaining a greater share of member spending, allowing us to unlock the additional ARPU potential of our banking product, the vast majority of which comes at no cost to the Member (e.g. merchant-funded interchange and network incentives).", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4697cc05-8907-4c80-9d88-a045aa6e699f", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.33, "x": 0.044, "y": 0.795 }, "kind": "paragraph", "text": "We will continue to execute our strategy to drive further adoption of Dave Card and top-of-wallet spending behavior throughout 2024.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b594fb4d-78f7-4462-b6d6-fb74ba3a2bf9", "parentComponentId": null }, { "bbox": { "h": 0.18, "w": 0.33, "x": 0.044, "y": 0.55 }, "kind": "paragraph", "text": "15% YoY increase was primarily driven by continued focus on driving members to spend their ExtraCash on their Dave Cards. The QoQ decline was due to seasonal headwinds from tax refunds as well as the full quarter impact of Dave's new subscription billing system (i.e. higher proportion of subscriber-only MTMs)", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ea3b54e2-3f91-4874-a27f-2af28c6ab420", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.3, "x": 0.42, "y": 0.95 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Transactions Per Monthly Transacting Member", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d33ccc19-7942-4a22-babb-567f718a939d", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.33, "x": 0.044, "y": 0.09 }, "kind": "title", "text": "Flywheel effect between ExtraCash and Dave Card", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:58:34.358+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2c2085d9-bc93-4feb-8ce8-d1f0bf1a2918", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Flywheel", "slug": "flywheel", "status": "active", "bestFor": null, "canonId": "019de52d-1ad8-75ab-9027-a40365590152", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "0a21bd53-fe5d-44bd-85dc-0f56aae0f47f", "evidence": "The slide describes a flywheel effect between ExtraCash and Dave Card.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:23.092802+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 24, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 25, "type": "analysis", "function": "analyze_data", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 79, "componentCount": 6, "textChars": 1361, "nDataPoints": 5, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:28.788+00", "seconds": 6.67, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/25", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-25", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.71, "w": 0.516, "x": 0.438, "y": 0.138 }, "kind": "chart", "text": "Annualized GAAP Revenue per Monthly Transacting Member\n10% Year-Over-Year Growth\n$120 1Q23\n$127 2Q23\n$137 3Q23\n$140 4Q23\n$132 1Q24", "attrs": { "chart_type": "bar", "series_names": [ "Annualized GAAP Revenue" ], "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [ "$120", "$127", "$137", "$140", "$132" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:28.788+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6b486a94-f091-405b-9dc3-35f1391daff5", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.35, "x": 0.045, "y": 0.42 }, "kind": "paragraph", "text": "ARPU was 5% lower sequentially due to seasonally lower demand for ExtraCash during tax refund season. This seasonal dynamic reduced the mix of ExtraCash active customers, who typically generate the highest ARPU, within the total MTM base. Additionally, as mentioned previously, 1Q24 reflected a full quarter impact under the new subscription billing system which increased the mix of subscriber-only MTMs who typically generate the lowest ARPU.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:28.788+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "088fda25-1842-45d6-8c89-61225c6c7cf5", "parentComponentId": null }, { "bbox": { "h": 0.13, "w": 0.35, "x": 0.045, "y": 0.248 }, "kind": "paragraph", "text": "ARPU grew 10% YoY primarily driven by:\n• Growth in ExtraCash ARPU due to improvements in both ExtraCash engagement and monetization\n• Growth in Dave Card ARPU reflecting significantly increased Dave Card spend", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:28.788+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1c9676b4-221a-485d-b7c5-56c2aac33e97", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.35, "x": 0.045, "y": 0.71 }, "kind": "paragraph", "text": "We remain confident that our product roadmap across ExtraCash, Dave Card, and Subscriptions will drive ARPU going forward.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:28.788+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "71c1e1a6-eb36-40e2-b0bd-7d68eb015dad", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.49, "x": 0.424, "y": 0.928 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Monthly Transacting Members; chart has been revised from prior disclosure to now reflect GAAP Operating Revenues, Net divided by Monthly Transacting Members in all periods shown (prior disclosure showed Non-GAAP Operating Revenue divided by Monthly Transacting Members). GAAP Operating Revenue, Net aligns with the basis upon which the Company's full year financial guidance is predicated.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:28.788+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9b08c320-6a1c-4abd-984c-d1ca9e15d86f", "parentComponentId": null }, { "bbox": { "h": 0.099, "w": 0.309, "x": 0.045, "y": 0.08 }, "kind": "title", "text": "ARPU / member monetization", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:28.788+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "da1b7941-d567-4bd3-a80d-93fa44d525be", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 26, "type": "setup", "function": "transition", "rawType": "section_divider", "block": null, "metadata": { "slideType": "section_divider", "slideTypeCanon": { "name": "Section divider", "slug": "section_divider", "status": "active", "canonId": "019de52d-066a-7402-9554-6ae504999041", "version": 1, "description": null }, "function": "transition", "functionCanon": { "name": "Transition", "slug": "transition", "status": "active", "canonId": "019de52d-1365-7149-92aa-66df859e75fd", "version": 1, "description": null }, "density": "sparse", "densityScore": 9, "componentCount": 3, "textChars": 24, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:27.07+00", "seconds": 2.832, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/26", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-26", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.025, "w": 0.05, "x": 0.038, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:27.07+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "460dd47f-6bdd-4334-956c-b307fd678cf7", "parentComponentId": null }, { "bbox": { "h": 0.025, "w": 0.02, "x": 0.936, "y": 0.92 }, "kind": "source-note", "text": "26", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:27.07+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c29fd2a8-988b-490e-bd2d-2694dff30bd4", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.46, "x": 0.084, "y": 0.446 }, "kind": "title", "text": "Financial Overview", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:27.07+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "30b52142-ee6b-4d72-9190-4b549f44291a", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "e3bde0de-6094-4fd1-b8ef-b204a9859bc5", "evidence": "The slide serves as a section divider with a title and logo.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:05:23.198156+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 26, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 27, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 84, "componentCount": 7, "textChars": 874, "nDataPoints": 7, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:30.534+00", "seconds": 4.956, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/27", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-27", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.73, "w": 0.48, "x": 0.438, "y": 0.148 }, "kind": "chart", "text": "Total GAAP Operating Revenue ($MM)\n25% Year-Over-Year Growth\n$58.9 1Q23\n$61.2 2Q23\n$65.8 3Q23\n$73.2 4Q23\n$73.6 1Q24", "attrs": { "series_names": [ "Total GAAP Operating Revenue" ], "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [ "$58.9", "$61.2", "$65.8", "$73.2", "$73.6" ] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d2b88802-18d5-43b1-87b5-41f56a444c1a", "parentComponentId": null }, { "bbox": { "h": 0.199, "w": 0.34, "x": 0.055, "y": 0.31 }, "kind": "list", "text": "Increase in transacting member base\nImproved ExtraCash engagement/monetization given material underwriting improvements which bolster retention\nRollout of percent-based fee structure to all members in 4Q'23\nGrowth in Dave Card MTMs and Dave Card spend", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "29332e5c-d145-44bf-a32b-b61a1a61574b", "parentComponentId": null }, { "bbox": { "h": 0.101, "w": 0.34, "x": 0.055, "y": 0.72 }, "kind": "list", "text": "Service based revenue grew modestly despite seasonal headwinds from tax refund season\nTransaction based revenue increased 3% due to the seasonal tailwinds from tax refunds translating into higher Dave Card spend levels", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ed0d30ad-faaa-450c-a522-237d5dec0ade", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.34, "x": 0.047, "y": 0.248 }, "kind": "paragraph", "text": "GAAP revenue expanded 25% YoY which was driven by:", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "069622b4-b2aa-4c10-ab77-e110e4ac53c8", "parentComponentId": null }, { "bbox": { "h": 0.101, "w": 0.34, "x": 0.047, "y": 0.59 }, "kind": "paragraph", "text": "GAAP revenue grew 1% QoQ as the strength in our core business more than offset the typical seasonal softness in the first quarter i.e., reversing the historical trend of modestly declining sequential revenue in 1Q", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "736a5124-55e9-4e12-aca2-5997fcf991b0", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.018, "x": 0.93, "y": 0.93 }, "kind": "source-note", "text": "27", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5f84dd5d-581c-45b5-b8a5-a0ed0026d0c2", "parentComponentId": null }, { "bbox": { "h": 0.099, "w": 0.31, "x": 0.047, "y": 0.09 }, "kind": "title", "text": "Consistent revenue growth", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:30.534+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e4c35872-fe37-4bb7-bdd0-1082b31b19de", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 28, "type": "setup", "function": "quantify_opportunity", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "quantify_opportunity", "functionCanon": { "name": "Quantify opportunity", "slug": "quantify_opportunity", "status": "active", "canonId": "019de52d-17e4-726f-aa15-83350acef1dd", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 82, "componentCount": 6, "textChars": 1373, "nDataPoints": 20, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:33.361+00", "seconds": 7.298, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/28", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-28", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.61, "w": 0.509, "x": 0.437, "y": 0.101 }, "kind": "chart", "text": "Variable Margin (non-GAAP) 17% Year-Over-Year Growth 58% 54% 57% 63% 68% 1Q23 2Q23 3Q23 4Q23 1Q24", "attrs": null, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.361+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a6959d09-56c0-4927-9185-1544bee91dc7", "parentComponentId": null }, { "bbox": { "h": 0.21, "w": 0.36, "x": 0.045, "y": 0.266 }, "kind": "list", "text": "Variable margin expanded ~1,000bps (17%) YoY due to:\nLower provision expense as % of GAAP revenue as a result of significant improvements in credit performance driven by CashAI\nProcessing cost enhancements related to how we utilize payment networks to move money\nFavorable renegotiation with key vendor in 4Q23", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.361+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ac1df46e-57b4-4c63-b9a0-59778b81074d", "parentComponentId": null }, { "bbox": { "h": 0.21, "w": 0.36, "x": 0.045, "y": 0.509 }, "kind": "paragraph", "text": "Variable margin expanded ~500bps QoQ due to declines in provision expense as a % of GAAP revenue based on sequential improvements in credit performance and seasonal benefits from tax refund season. Other Variable Expenses as a % of GAAP revenue increased modestly QoQ driven by a seasonal increase of dispute volume largely related to tax refund deposits on the Dave Card.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.361+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e8bdb29d-cd3a-4496-bfb6-6aeb43bd9c12", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.54, "x": 0.406, "y": 0.925 }, "kind": "source-note", "text": "Note: Non-GAAP Variable Profit Margin calculation has been revised (in all periods shown above) to reflect Non-GAAP Variable Profit as a percentage of GAAP Operating Revenues, Net. In prior disclosures, Non-GAAP Variable Profit Margin reflected Non-GAAP Variable Profit as a percentage of Non-GAAP Operating Revenues. See Glossary for the definition of Non-GAAP Variable Profit. Note: See Appendix for reconciliation of Non-GAAP measures.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.361+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4a1ba05f-8564-4024-bcb3-d35186a12f5d", "parentComponentId": null }, { "bbox": { "h": 0.14, "w": 0.489, "x": 0.457, "y": 0.742 }, "kind": "table", "text": "Provision for Credit Losses - % of GAAP Revenue 20% 26% 24% 20% 14% Other Variable Expenses - % of GAAP Revenue 22% 20% 19% 18% 19%", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.361+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "57a46bb9-71d5-474b-9da7-3681506046f8", "parentComponentId": null }, { "bbox": { "h": 0.086, "w": 0.302, "x": 0.045, "y": 0.101 }, "kind": "title", "text": "Expanding variable margin", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.361+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4f28f356-02c5-4101-9b43-878429dcd40c", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 29, "type": "setup", "function": "summarize", "rawType": "kpi_overview", "block": null, "metadata": { "slideType": "kpi_overview", "slideTypeCanon": { "name": "KPI overview (contrarian)", "slug": "kpi_overview", "status": "active", "canonId": "019de52d-11d5-7328-b1d1-5368a03e7796", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 72, "componentCount": 5, "textChars": 1192, "nDataPoints": 10, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:32.437+00", "seconds": 5.815, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/29", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-29", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.76, "w": 0.51, "x": 0.439, "y": 0.14 }, "kind": "chart", "text": "Adjusted EBITDA (Loss) (Non-GAAP) ($MM)\n393% Year-over-Year Growth\n($4.5) 1Q23\n($13.1) 2Q23\n($2.5) 3Q23\n$10.0 4Q23\n$13.2 1Q24", "attrs": { "x_axis_labels": [ "1Q23", "2Q23", "3Q23", "4Q23", "1Q24" ], "y_axis_labels": [] }, "canon": { "kind": { "name": "Chart", "slug": "chart", "status": "active", "canonId": "019de52c-f9a0-76ef-adc6-0b859109d1f8", "version": 1, "description": "Quantitative chart." }, "tool": null, "subkind": { "name": "Vertical bar chart", "slug": "bar-vertical", "status": "active", "canonId": "019de52c-fe9d-70f2-b3b7-a9ae294f5917", "version": 1, "description": null }, "framework": null }, "subkind": "bar-vertical", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.437+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "28cd79dc-6f05-408c-9426-03857db48ee3", "parentComponentId": null }, { "bbox": { "h": 0.269, "w": 0.379, "x": 0.043, "y": 0.237 }, "kind": "paragraph", "text": "1Q24 Adj. EBITDA of $13.2mm represents $17.7mm (393%) YoY improvement and $3.2mm (32%) QoQ improvement which was driven by:\n• Revenue growth\n• Variable margin expansion\n• Increased marketing investment discipline\n• Ongoing rationalization of and operating leverage from our fixed cost base, including deeper utilization of Al in member success and engineering", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.437+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "11a5d092-dc5d-4230-90a2-51d839799d81", "parentComponentId": null }, { "bbox": { "h": 0.242, "w": 0.379, "x": 0.043, "y": 0.543 }, "kind": "paragraph", "text": "$101.5mm of cash and cash equivalents, marketable securities, investments and restricted cash as of 3/31/24 vs. $157.3mm as of 12/31/23. The decrease in cash was driven by the Jan. '24 transaction in which Dave paid $71mm to repurchase the FTX convertible note at a 33% discount to par value. Excluding the impact of this transaction, our cash position increased in 1Q24; we did not increase utilization of our debt facility in the quarter.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.437+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "17bf87ba-66bb-44bf-83a0-e88b348adc9b", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.379, "x": 0.043, "y": 0.819 }, "kind": "paragraph", "text": "Our balance sheet remains strong and we believe we maintain ample liquidity to execute on our growth plans without the need to raise additional capital.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.437+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9592e921-eece-4191-96ee-9ff42a6dd5fa", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.206, "x": 0.439, "y": 0.923 }, "kind": "source-note", "text": "Note: See Glossary for the definition of Adjusted EBITDA\nNote: See Appendix for reconciliation of Non-GAAP measures.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.437+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d7b5c670-c33d-46a5-9849-5db303fb3fd2", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Waterfall chart", "slug": "waterfall-chart", "status": "active", "bestFor": null, "canonId": "e2799da3-725f-44a9-a093-570f1f388e64", "version": 1, "bodyDocId": null, "description": null, "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "d8afc0fc-1113-4194-94b3-3a7e6183e9f7", "evidence": "chart/bar-vertical: Adjusted EBITDA (Loss) (Non-GAAP) ($MM)", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.7, "extraction": { "at": "2026-07-17 02:05:23.189933+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 29, "whyItWorks": null, "antipattern": null, "cardinality": null, "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 30, "type": "setup", "function": "frame_situation", "rawType": "timeline", "block": null, "metadata": { "slideType": "timeline", "slideTypeCanon": { "name": "Timeline", "slug": "timeline", "status": "active", "canonId": "019de52d-0851-75eb-b758-ea2965e7739a", "version": 1, "description": null }, "function": "frame_situation", "functionCanon": { "name": "Frame situation", "slug": "frame_situation", "status": "active", "canonId": "019de52d-17bc-718f-8752-05ef2b72d7b3", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 91, "componentCount": 10, "textChars": 1236, "nDataPoints": 3, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:34.536+00", "seconds": 7.213, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/30", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-30", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.02, "w": 0.06, "x": 0.034, "y": 0.92 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2ec0c41d-db5a-4f61-b859-fae5de098345", "parentComponentId": null }, { "bbox": { "h": 0.45, "w": 0.48, "x": 0.48, "y": 0.45 }, "kind": "list", "text": "Generated Adj. EBITDA profitability several quarters ahead of the expectation we set in mid-2022; Grew 32% sequentially in 1Q24\nFinancial outperformance was driven by:\nARPU improvement based on stronger engagement in and monetization of ExtraCash and deeper cross-attach of Dave Card\nSubstantial variable margin expansion based on underwriting and settlement optimizations, payment network enhancements, and renegotiated vendor contracts\nLower marketing spend given significantly more efficient CACs and stronger member conversion, retention, and reactivation\nIncreased operating leverage of a fixed cost base which we continue to rationalize", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "053398f2-dea1-4400-8a6b-2765ea1b1797", "parentComponentId": null }, { "bbox": { "h": 0.2, "w": 0.17, "x": 0.05, "y": 0.45 }, "kind": "list", "text": "Variable margin profitable since pre-2020\nPositions Dave for profitability as it scales", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "16ad870e-f250-4cd0-b814-f2e6f8b59641", "parentComponentId": null }, { "bbox": { "h": 0.4, "w": 0.2, "x": 0.24, "y": 0.45 }, "kind": "list", "text": "Achieved in 4Q22 - earlier than prior guidance of 2023\nDigital marketing spend can be flexed to optimize ROIs and preserve liquidity as needed\nImplies level of self-sustainability of business model given our solid levels of organic acquisition", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b1dc28af-bde7-4529-96b1-c268f2b7c0f3", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.2, "x": 0.48, "y": 0.21 }, "kind": "list", "text": "4Q23: Adjusted EBITDA Positive", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Timeline item", "slug": "timeline-item", "status": "active", "canonId": "019de52c-fd0e-74ce-9443-440fbd8c23b4", "version": 1, "description": null }, "framework": null }, "subkind": "timeline-item", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0238f9c2-e907-4101-aece-25bc08689ad8", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.2, "x": 0.24, "y": 0.21 }, "kind": "list", "text": "4Q22: Adj. EBITDA Positive (Pre-Marketing)", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Timeline item", "slug": "timeline-item", "status": "active", "canonId": "019de52c-fd0e-74ce-9443-440fbd8c23b4", "version": 1, "description": null }, "framework": null }, "subkind": "timeline-item", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "73fef785-67ad-4294-bdb6-f37b8a7eeef9", "parentComponentId": null }, { "bbox": { "h": 0.11, "w": 0.17, "x": 0.04, "y": 0.21 }, "kind": "list", "text": "Pre-4Q22: Variable Profit Positive", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Timeline item", "slug": "timeline-item", "status": "active", "canonId": "019de52c-fd0e-74ce-9443-440fbd8c23b4", "version": 1, "description": null }, "framework": null }, "subkind": "timeline-item", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9384a661-5ec7-4c9b-b169-21752ab0853f", "parentComponentId": null }, { "bbox": { "h": 0.01, "w": 0.02, "x": 0.936, "y": 0.92 }, "kind": "source-note", "text": "30", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "81dfe440-f668-4004-bc3c-e1b92442b6e7", "parentComponentId": null }, { "bbox": { "h": 0.022, "w": 0.93, "x": 0.034, "y": 0.115 }, "kind": "title", "text": "Reached milestone at 2.1mm MTMs, an inflection point off of which we expect to grow profitability", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Action title", "slug": "action-title", "status": "active", "canonId": "019de52c-fb31-734c-a0f5-a3935b73135d", "version": 1, "description": null }, "framework": null }, "subkind": "action-title", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "02b3f966-cda6-4abf-a681-e1aa0515e6af", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.93, "x": 0.034, "y": 0.069 }, "kind": "title", "text": "Adj. EBITDA Profitability Achieved Ahead of Plan (4Q23)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:34.536+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d33a4673-67d3-4962-a8e2-40b7e74c5973", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 31, "type": "setup", "function": "summarize", "rawType": "executive_summary", "block": null, "metadata": { "slideType": "executive_summary", "slideTypeCanon": { "name": "Executive summary", "slug": "executive_summary", "status": "active", "canonId": "019de52d-06be-73ff-81b3-f99fe7f0025e", "version": 1, "description": null }, "function": "summarize", "functionCanon": { "name": "Summarize", "slug": "summarize", "status": "active", "canonId": "019de52d-1541-704f-b86f-bf7b75056373", "version": 1, "description": null }, "density": "dense", "densityScore": 54, "componentCount": 5, "textChars": 465, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:32.84+00", "seconds": 3.632, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/31", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-31", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.14, "w": 0.209, "x": 0.154, "y": 0.36 }, "kind": "list", "text": "Acquire\nStrong product market fit drives efficient CAC within a large and growing TAM", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.84+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7f2d633f-c460-4f17-ab77-3d8e51527972", "parentComponentId": null }, { "bbox": { "h": 0.179, "w": 0.209, "x": 0.42, "y": 0.36 }, "kind": "list", "text": "Engage\nProprietary CashAI underwriting drives profitable unit economics without significant capital needs", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.84+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b63c9bec-b767-42dd-8357-36d1257510f5", "parentComponentId": null }, { "bbox": { "h": 0.159, "w": 0.209, "x": 0.686, "y": 0.36 }, "kind": "list", "text": "Deepen\nDave Card adoption unlocks additional lifetime value with more products in the pipeline", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.84+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b8a22c13-51de-4c86-a8c5-5e284861d4fc", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.67, "x": 0.18, "y": 0.75 }, "kind": "paragraph", "text": "Tech-enabled platform enhanced by AI enables substantial operating leverage. Strong liquidity position sufficient to amply support the Company's growth trajectory.", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.84+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e082efb4-c37d-4ed4-b9f8-8d113b506a27", "parentComponentId": null }, { "bbox": { "h": 0.04, "w": 0.359, "x": 0.028, "y": 0.065 }, "kind": "title", "text": "Investment summary", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:32.84+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "edf957a9-dae8-428c-8800-3d5d4d191712", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Executive summary", "slug": "executive-summary", "status": "active", "bestFor": null, "canonId": "019dd9e1-4b63-72d5-9734-da757d91ca61", "version": 1, "bodyDocId": null, "description": "A condensed view of the entire argument on a single slide / block.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "63cacb24-995b-4dc8-aab4-4d61c4416fe7", "evidence": "title/headline: Investment summary", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-17 02:05:23.309517+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 31, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 32, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "sparse", "densityScore": 0, "componentCount": 1, "textChars": 8, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:33.442+00", "seconds": 2.41, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/32", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-32", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.07037037037037037, "w": 0.2604166666666667, "x": 0.08680555555555555, "y": 0.4462962962962963 }, "kind": "title", "text": "Appendix", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:33.442+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "5215b10c-ef18-4635-910b-e5cc56614228", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 33, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "overcrowded", "densityScore": 87, "componentCount": 10, "textChars": 1837, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:39.654+00", "seconds": 6.812, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/33", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-33", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.029, "w": 0.06, "x": 0.038, "y": 0.919 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0bc8b574-8756-4fec-b30a-ada0d193c654", "parentComponentId": null }, { "bbox": { "h": 0.09, "w": 0.905, "x": 0.048, "y": 0.629 }, "kind": "list", "text": "Customer Acquisition Costs (“CAC”) defined as all advertising and marketing operating expenses in a given period divided by the number of new members who join the Dave platform in a given period by connecting an existing bank account to the Dave service or by opening a new Dave Banking account", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4a5f67d9-68e4-49e2-b148-1255ad927b61", "parentComponentId": null }, { "bbox": { "h": 0.022, "w": 0.85, "x": 0.048, "y": 0.75 }, "kind": "list", "text": "Dave Card Spend Volumes defined as the total dollar amount of Dave Card debit spending transactions over a given period", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "78467665-c87f-477b-b78a-dd506bcb0479", "parentComponentId": null }, { "bbox": { "h": 0.045, "w": 0.905, "x": 0.048, "y": 0.83 }, "kind": "list", "text": "Monthly Transacting Members (“MTMs”) defined as the unique number of Members who have made a funding, spending, ExtraCash or subscription transaction within a particular month, measured as the average over a given period", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7b32faff-bbff-4db2-b30f-be9f3fc00ccc", "parentComponentId": null }, { "bbox": { "h": 0.045, "w": 0.905, "x": 0.048, "y": 0.172 }, "kind": "list", "text": "28-Day Average Quarterly Delinquency Rate defined as the amount of Origination Volume which is past due 28 days after the end of the month in which the ExtraCash advance was disbursed divided by the Origination Volume in that disbursement month", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "7f19a712-212f-4930-97a6-5dfd192e17b2", "parentComponentId": null }, { "bbox": { "h": 0.144, "w": 0.905, "x": 0.048, "y": 0.262 }, "kind": "list", "text": "Adjusted EBITDA defined as net income or (loss) attributable to Dave before the impact of interest income or expense, provision for income taxes, depreciation and amortization, and adjusted to exclude non-recurring legal expenses, other strategic financing and transaction expenses, stock-based compensation expense, gain on extinguishment of liability, changes in fair value of earnout liabilities, changes in fair value of derivative asset on loans to stockholders, changes in fair value of public and private warrant liabilities, among others", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "b5926078-9105-4a62-9674-5c0bfe58a881", "parentComponentId": null }, { "bbox": { "h": 0.045, "w": 0.905, "x": 0.048, "y": 0.54 }, "kind": "list", "text": "Average Revenue per ExtraCash Advance defined as sum of Tips (GAAP) + Fees (GAAP) generated divided by total advances disbursed over a given period", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c662112d-391c-4580-ba23-e66bc5539750", "parentComponentId": null }, { "bbox": { "h": 0.072, "w": 0.905, "x": 0.048, "y": 0.434 }, "kind": "list", "text": "Adjusted Net Income (Loss) defined as GAAP net income (loss) adjusted to exclude stock compensation, the gain on extinguishment of convertible debt, the tax impact related to the gain on extinguishment of convertible debt and certain other non-core items", "attrs": {}, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ed35e65e-5591-414a-b53b-acb894604f22", "parentComponentId": null }, { "bbox": { "h": 0.018, "w": 0.023, "x": 0.909, "y": 0.924 }, "kind": "source-note", "text": "33", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "780b02d2-4311-4162-8175-4f747f60a987", "parentComponentId": null }, { "bbox": { "h": 0.036, "w": 0.18, "x": 0.044, "y": 0.086 }, "kind": "title", "text": "Glossary", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:39.654+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2a722a35-9bfc-47ef-988d-e10f16459e03", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 34, "type": "appendix", "function": "appendix", "rawType": "appendix", "block": null, "metadata": { "slideType": "appendix", "slideTypeCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-0762-71f8-b564-89ab863301cc", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "dense", "densityScore": 55, "componentCount": 4, "textChars": 1400, "nDataPoints": 0, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:37.577+00", "seconds": 4.406, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/34", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-34", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.026, "w": 0.06, "x": 0.034, "y": 0.919 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.577+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fe0a75ac-818f-498f-adaa-4df752e5c311", "parentComponentId": null }, { "bbox": { "h": 0.71, "w": 0.887, "x": 0.045, "y": 0.11 }, "kind": "list", "text": "Non-GAAP Adjusted Basic EPS and Non-GAAP Adjusted Diluted EPS defined as adjusted net income (loss) divided by weighted average shares of common stock-basic and weighted average shares of common stock-diluted, respectively\nNon-GAAP Variable Profit defined as GAAP Operating Revenues, Net excluding Non-GAAP Variable Operating Expenses\nNon-GAAP Variable Operating Expenses defined as Operating Expenses excluding Non-Variable Operating Expenses\nNon-Variable Operating Expenses defined as all advertising and marketing operating expenses, compensation and benefits operating expenses, and certain operating expenses (legal, rent, technology/infrastructure, depreciation, amortization, charitable contributions, other operating expenses, upfront Member account activation costs and upfront Dave Card expenses)\nOrigination Volume defined as the total dollar amount of ExtraCash advances disbursed to Members in a given period\nTotal Members defined as the number of unique Members that have either connected an existing bank account to the Dave service or have opened a Dave Banking account, less the number of accounts deleted by Members or closed by Dave, as measured at the end of a period\nTransactions Per Monthly Transacting Member defined as the average number of transactions initiated per Monthly Transacting Member in each month, measured as the average over a given period", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Bullet list", "slug": "bullet", "status": "active", "canonId": "019de52c-fc98-7169-a083-5cab805076ca", "version": 1, "description": null }, "framework": null }, "subkind": "bullet", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.577+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "d4de6898-9715-432c-aea0-903fe97d31e6", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.02, "x": 0.936, "y": 0.925 }, "kind": "source-note", "text": "34", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.577+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "c9d100e4-0e6f-488e-bffb-bb6934121b07", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.34, "x": 0.045, "y": 0.045 }, "kind": "title", "text": "Glossary (Cont'd)", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.577+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "92c2903b-5baa-4e3b-8695-f76c3d61e1df", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 35, "type": "appendix", "function": "appendix", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "appendix", "functionCanon": { "name": "Appendix", "slug": "appendix", "status": "active", "canonId": "019de52d-138d-750b-83c3-49b4bc7a7a38", "version": 1, "description": null }, "density": "dense", "densityScore": 71, "componentCount": 5, "textChars": 891, "nDataPoints": 16, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:38.847+00", "seconds": 5.138, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/35", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-35", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.027, "w": 0.054, "x": 0.034, "y": 0.923 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:38.847+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0408be9a-a72f-4f64-8b13-5fa4703151b5", "parentComponentId": null }, { "bbox": { "h": 0.029, "w": 0.797, "x": 0.113, "y": 0.953 }, "kind": "source-note", "text": "Note: Non-GAAP Variable Profit Margin calculation has been revised to reflect Non-GAAP Variable Profit as a percentage of GAAP Operating Revenues, Net. In prior disclosures, Non-GAAP Variable Profit Margin reflected Non-GAAP Variable Profit as a percentage of Non-GAAP Operating Revenues.", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:38.847+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bdb133ac-718c-47aa-88b9-51583f377c9e", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.766, "x": 0.109, "y": 0.158 }, "kind": "table", "text": "RECONCILIATION OF OPERATING EXPENSES TO NON-GAAP VARIABLE OPERATING EXPENSES (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023 Operating expenses $ 68.2 $ 71.4 Non-variable operating expenses (44.5) (46.5) Non-GAAP variable operating expenses $ 23.7 $ 24.9", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:38.847+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1cdd518d-df39-4fb4-ba68-229eec415860", "parentComponentId": null }, { "bbox": { "h": 0.33, "w": 0.766, "x": 0.109, "y": 0.559 }, "kind": "table", "text": "CALCULATION OF NON-GAAP VARIABLE PROFIT (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023 GAAP operating revenues, net $ 73.6 $ 58.9 Non-GAAP variable operating expenses (23.7) (24.9) Non-GAAP variable profit $ 49.9 $ 34.0 Non-GAAP variable profit margin 68% 58%", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:38.847+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a32907ba-9011-4ae8-b7b5-8f689867fdc9", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.59, "x": 0.047, "y": 0.084 }, "kind": "title", "text": "Reconciliation of Non-GAAP Measures", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:38.847+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "58256028-8e17-46cb-83cc-649d7e423a6a", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "b587454c-1e1f-4716-8d36-71193599e9a2", "evidence": "table/data: CALCULATION OF NON-GAAP VARIABLE PROFIT (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:05:23.508699+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 35, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 36, "type": "appendix", "function": "other", "rawType": "other", "block": null, "metadata": { "slideType": "other", "slideTypeCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-0af5-71ed-83de-d51ae245fc43", "version": 1, "description": null }, "function": "other", "functionCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-15e1-75bc-99dc-07732380e2ce", "version": 1, "description": null }, "density": "dense", "densityScore": 56, "componentCount": 4, "textChars": 568, "nDataPoints": 18, "notes": null, "elementsJson": null, "confidence": 1, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:37.574+00", "seconds": 3.851, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/36", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-36", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.026, "w": 0.052, "x": 0.035, "y": 0.918 }, "kind": "image", "text": "Dave", "attrs": null, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e4eb6c17-e86d-4394-b8a4-1a5022e1d062", "parentComponentId": null }, { "bbox": { "h": 0.016, "w": 0.023, "x": 0.919, "y": 0.926 }, "kind": "source-note", "text": "36", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a742c918-94a4-4e59-80e6-409712818c5f", "parentComponentId": null }, { "bbox": { "h": 0.619, "w": 0.849, "x": 0.076, "y": 0.207 }, "kind": "table", "text": "DAVE INC. RECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA (LOSS) (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023 Net income (loss) $ 34.2 $ (14.0) Interest expense, net 0.7 1.6 Provision for income taxes 3.2 - Depreciation and amortization 1.7 1.2 Stock-based compensation 6.1 6.8 Gain on extinguishment of convertible debt (33.4) - Changes in fair value of earnout liabilities 0.2 - Changes in fair value of public and private warrant liabilities 0.5 (0.1) Adjusted EBITDA (loss) $ 13.2 $ (4.5)", "attrs": null, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "0212334e-9f8d-4914-bce9-1243e66d579c", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.53, "x": 0.046, "y": 0.085 }, "kind": "title", "text": "Reconciliation of Non-GAAP Measures", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:37.574+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "908dd63a-5bb1-490d-9b81-0c82e6cca205", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "068f6f1d-cae8-4856-ac6e-c3be3d8b5ab3", "evidence": "table/data: DAVE INC. RECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA (LOSS) (in millions) (unaudited) For the Three Months Ended March 31, 2024 2023", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:05:23.587246+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 36, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true }, { "page": 37, "type": "analysis", "function": "analyze_data", "rawType": "appendix_data", "block": null, "metadata": { "slideType": "appendix_data", "slideTypeCanon": { "name": "Appendix data", "slug": "appendix_data", "status": "active", "canonId": "019de52d-078a-745b-9ee4-c15f2f539acd", "version": 1, "description": null }, "function": "analyze_data", "functionCanon": { "name": "Analyze data", "slug": "analyze_data", "status": "active", "canonId": "019de52d-1590-7413-8c82-cc218cff40b4", "version": 1, "description": null }, "density": "dense", "densityScore": 68, "componentCount": 5, "textChars": 659, "nDataPoints": 18, "notes": null, "elementsJson": null, "confidence": 0.9, "extraction": { "model": "google/gemini-2.5-flash", "runId": null, "at": "2026-05-01 22:53:40.285+00", "seconds": 5.099, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019de518-7637-70eb-87ee-ae99851c40cc/37", "deck": "/decks/019de518-7637-70eb-87ee-ae99851c40cc", "deckAnchor": "/decks/019de518-7637-70eb-87ee-ae99851c40cc#slide-37", "deckJson": "/decks/019de518-7637-70eb-87ee-ae99851c40cc.json" }, "components": [ { "bbox": { "h": 0.026, "w": 0.055, "x": 0.03, "y": 0.918 }, "kind": "image", "text": "Dave", "attrs": {}, "canon": { "kind": { "name": "Image", "slug": "image", "status": "active", "canonId": "019de52c-f978-701f-a720-51d029d769e7", "version": 1, "description": "Photo, illustration, screenshot or icon." }, "tool": null, "subkind": { "name": "Logo", "slug": "logo", "status": "active", "canonId": "019de52c-fdaf-743d-94c4-d7c6a0e55302", "version": 1, "description": null }, "framework": null }, "subkind": "logo", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:40.285+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "41db292e-030e-4849-8954-9382440299ed", "parentComponentId": null }, { "bbox": { "h": 0.079, "w": 0.462, "x": 0.269, "y": 0.19 }, "kind": "paragraph", "text": "DAVE INC.\nRECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED NET INCOME (LOSS)\n(in millions, except per share data)\n(unaudited)", "attrs": {}, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:40.285+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "71d08dac-0bc4-4016-a4cf-d4cffa51d14a", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.019, "x": 0.936, "y": 0.93 }, "kind": "source-note", "text": "37", "attrs": {}, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. Numbered footnotes use attrs.numbered." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:40.285+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "59adeeeb-f20c-4c82-aaab-6f62f166f8c6", "parentComponentId": null }, { "bbox": { "h": 0.501, "w": 0.902, "x": 0.05, "y": 0.399 }, "kind": "table", "text": "For the Three Months Ended March 31,\n2024\n2023\nNet income (loss)\n$ 34.2\n$ (14.0)\nStock-based compensation\n6.1\n6.8\nGain on extinguishment of convertible debt\n(33.4)\n—\nChanges in fair value of earnout liabilities\n0.2\n—\nChanges in fair value of public and private warrant liabilities\n0.5\n(0.1)\nIncome tax expense related to gain on extinguishment of convertible debt\n0.5\n—\nAdjusted net income (loss)\n$ 8.1\n$ (7.3)\nAdjusted net income (loss) per share:\nBasic\n$ 0.66\n$ (0.63)\nDiluted\n$ 0.62\n$ (0.63)", "attrs": {}, "canon": { "kind": { "name": "Table", "slug": "table", "status": "active", "canonId": "019de52c-f9c8-7148-8119-eaac9594cd28", "version": 1, "description": "Tabular data layout." }, "tool": null, "subkind": { "name": "Data table", "slug": "data", "status": "active", "canonId": "019de52d-02d5-75b8-8abf-88e92bf63569", "version": 1, "description": null }, "framework": null }, "subkind": "data", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:40.285+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9d56d992-8e07-4424-8017-53a1a577d78d", "parentComponentId": null }, { "bbox": { "h": 0.03, "w": 0.59, "x": 0.047, "y": 0.086 }, "kind": "title", "text": "Reconciliation of Non-GAAP Measures", "attrs": {}, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-01 22:53:40.285+00", "model": "google/gemini-2.5-flash", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4f27f1ea-ce66-48d3-9055-8cd0159f7bab", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Table data", "slug": "table-data", "status": "active", "bestFor": null, "canonId": "019dd9e1-4fab-7168-a82f-b847350a006d", "version": 1, "bodyDocId": null, "description": "Tabular layouts of structured data.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "bda9255e-8cee-4049-91f2-9553448c3abd", "evidence": "table/data: For the Three Months Ended March 31, 2024 2023 Net income (loss) $ 34.2 $ (14.0) Stock-based compensation 6.1 6.8", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.8, "extraction": { "at": "2026-07-17 02:05:23.665848+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 37, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [], "loops": [ { "to": 37, "from": 31, "loop": { "name": "47_quick_win_big_bet", "slug": "47-quick-win-big-bet", "status": "active", "bestFor": "Transformation planning, 100-day plans, resource allocation", "canonId": "019dd956-790d-708d-983e-ef9bbc68f741", "version": 1, "bodyDocId": "019df22a-2420-77be-bc41-ded96d08cb21", "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap", "description": "Separate initiatives into immediate wins and longer-term strategic bets", "familyLabel": null }, "matchId": "bf52010a-efe3-4e2e-b1cb-60c01a59ec4e", "evidence": "The document presents an investment summary on slide 31 and provides additional information on slides 32-37", "position": 1, "objective": "Present a clear investment summary and next steps", "confidence": 0.6, "extraction": { "at": "2026-07-16 23:15:59.424289+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "locked": true } ], "arcBeats": [ { "from": 5, "to": 6, "label": "Problem", "description": "The document identifies the problem and complication on slides 5 and 6" }, { "from": 4, "to": 7, "label": "Solution", "description": "The document proposes a solution on slides 4 and 7" }, { "from": 1, "to": 3, "label": "Attention", "description": "The document grabs attention with a clear title and disclaimer on slides 1-3" } ], "loops": [ { "from": 5, "to": 11, "label": "Cost Of Inaction", "description": "Highlight the cost of inaction for investors" }, { "from": 31, "to": 37, "label": "Quick Win Big Bet", "description": "Present a clear investment summary and next steps" } ] }