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      "text": "Dave Card Spend Volumes ($MM)\n$197\n$263\n$295\n$304\n$341\n3Q22\n4Q22\n1Q23\n2Q23\n3Q23",
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      "text": "73% Y-o-Y (12% Q-o-Q) growth in Dave Card spend reflects: i) continued progress cross-attaching ExtraCash members by offering discounted express fees for advance disbursements into Dave Spend accounts and ii) improving the value proposition of the Dave Spend accounts through ongoing product development (e.g. Round-Up savings and 4.00% APY on checking and savings balances), driving growth in external funding (e.g. payroll).",
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      "text": "Using a modern tech stack, we can operate a fully capable, branchless banking product at a fraction of the cost of incumbents.",
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