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      "text": "Total Monthly Transacting Members (MMs)\n14% Year-Over-Year Growth\n2.0, 1.9, 1.9, 2.1, 2.2\n1Q23, 2Q23, 3Q23, 4Q23, 1Q24",
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      "text": "MTMs grew 14% YoY as our credit-first value proposition and banking product suite continued to drive improvements in new member conversion and existing user retention rates.",
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      "text": "Total MTMs were up 6% QoQ in 1Q24 despite seasonal headwinds to ExtraCash demand as a result of tax refund season. In mid-4Q23, we completed the transition to a new subscription billing system, which resolved a headwind to MTM engagement. 1Q24 reflected a full quarter impact under this new system which allows us to pursue expanded subscription opportunities going forward.",
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