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      "text": "Total Monthly Transacting Members (MMs)\n6% Year-Over-Year Growth\n1.8\n1.9\n2.0\n1.9\n1.9\n3Q22\n4Q22\n1Q23\n2Q23\n3Q23",
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      "text": "3Q23 MTMs were roughly flat Q-o-Q, though ExtraCash and Dave Card actives grew, driving a favorable mix shift toward higher ARPU members. Subscriber trends remain attributable to a transition away from legacy subscription model, which we anticipate completing in 4Q23. This will enable optionality to pursue expanded subscription structure opportunities going forward.",
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      "text": "MTMs grew 6% year-over-year as our credit-first value proposition and banking product suite continued to drive improvements in conversion and retention rates.",
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      "text": "We have a compelling opportunity to drive engagement of ~8mm non-MTM account holders through effective conversion & reactivation strategies.",
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