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  "presentationDate": "2023-05-01 00:00:00",
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      "text": "28 Day Average Quarterly Delinquency Rate 3.21% 3.99% 4.32% 4.20% 3.06% 3.52% 4.87% 5.93% 3.56% 4.47% 4.20% 3.48% 3.27% 3.67% 4.07% 3.58% 2.60% 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23",
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      "text": "Significant and continued improvements in DQ rates:\n• 98bps q-o-q driven by underwriting enhancements and seasonal strength from tax refunds\n• 67bps y-o-y while growing ExtraCash originations by 46%; due to underwriting optimizations",
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      "text": "Credit performance should normalize modestly q-o-q due to planned growth in Member acquisition and as the favorable impact of tax refund season recedes.",
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      "text": "Our underwriting is differentiated as our AI is primarily using bank account transaction data which allows us to detect, nearly in real-time, changes in income, spending, savings, and employment signals. FICO underwriting bases credit decisions on bureau data which are lagging indicators of risk.",
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      "text": "DQ rates controllable with dynamic nature of underwriting/risk management strategies, combined with short-term nature of the ExtraCash product.",
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