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  "documentTitle": "Dave | Investor Presentation Deck | 38 slides",
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  "presentationDate": "2023-08-01 00:00:00",
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      "text": "Achieved in 4Q22 i.e. 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",
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      "text": "Contribution margin profitable since pre-2020\nPositions Dave for profitability as it scales",
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      "text": "Growth in MTMs: projected to turn break-even @ 2.1 – 2.3mm MTMs\nConservative assumptions on continued ARPU improvement\nFurther optimizing ExtraCash e.g. funnel, monetization\nGrowing cross-attach to Dave Card\nDeeper focus on incentivizing direct deposit relationships\nMargin expansion based largely on identified, quantifiable initiatives\nUnderwriting + settlement optimization; renegotiating contracts\nDriving direct deposit relationships as Dave Card matures\nIntensified focus on fraud controls and risk management\nOperating leverage of fixed cost base as variable profit scales",
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      "text": "Path to profitability: key milestones",
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