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      "text": "Total Monthly Transacting Members (MMs) 26% Year-Over-Year Growth 1.5 2Q22 1.8 3Q22 1.9 4Q22 2.0 1Q23 1.9 2Q23",
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      "text": "Growth in MTMs will be driven by marketing spend, further enhancements to ExtraCash value proposition and underwriting, and deeper cross-attach on Dave Card, which has more favorable retention characteristics.",
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      "text": "On a sequential basis, MTMs were driven by a meaningful increase in higher-ARPU ExtraCash and Dave Card MTMs, offset by decline in subscribers due to migration off of legacy subscription billing system and onto our newly-built platform which better positions us to launch new subscription offering(s) over the coming quarters.",
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