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      "text": "28 Day Average Quarterly Delinquency Rate. 2Q19: 3.99%, 3Q19: 4.32%, 4Q19: 4.20%, 1Q20: 3.06%, 2Q20: 3.52%, 3Q20: 4.87%, 4Q20: 5.93%, 1Q21: 3.56%, 2Q21: 4.47%, 3Q21: 4.20%, 4Q21: 3.48%, 1Q22: 3.27%, 2Q22: 3.67%, 3Q22: 4.07%, 4Q22: 3.58%, 1Q23: 2.60%, 2Q23: 2.83%.",
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      "text": "Our underwriting is differentiated as our AI primarily uses bank account transaction data, allowing 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": "2Q23 DQ rate improved 84bps Y-o-Y, while ExtraCash originations grew 43% as we continue to optimize underwriting. DQ rate improved 164bps vs. 2Q21, a period which benefited from fiscal stimulus.",
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