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  "documentTitle": "Dave | SPAC Presentation Deck | 34 slides",
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  "sourceTypeLabel": "Investment bank",
  "presentationDate": "2021-06-01 00:00:00",
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  "notes": "Uses a contrast-pair layout to show the customer pain vs. the bank's structural cause.",
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      "kind": "callout",
      "text": "Structurally High Fees, Low Accessibility, and Poor Customer Service... Overdraft ($35) and minimum balance fees ($10) for the most vulnerable customers. Mediocre digital user experience",
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      "text": "$300 - $400",
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      "text": "...Created by Bloated Bank Cost Structure & Innovator’s Dilemma. Massive and expensive brick / mortar footprints. Onerous regulatory requirements (capital, interchange) constrain investment. Legacy and antiquated technology stacks and call centers",
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      "text": "Average fees paid per year by Dave customers to legacy banks",
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      "text": "Source: Dave Management, industry reports and user feedback.",
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      "text": "The Legacy Financial System Has Failed to Deliver...",
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