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  "documentTitle": "Dave | Results Presentation Deck | 37 slides",
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  "authorName": "Dave",
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  "presentationDate": "2024-07-01 00:00:00",
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      "kind": "chart",
      "text": "Annualized GAAP Revenue per Monthly Transacting Member\n10% Year-Over-Year Growth\n$120 1Q23\n$127 2Q23\n$137 3Q23\n$140 4Q23\n$132 1Q24",
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      "text": "ARPU was 5% lower sequentially due to seasonally lower demand for ExtraCash during tax refund season. This seasonal dynamic reduced the mix of ExtraCash active customers, who typically generate the highest ARPU, within the total MTM base. Additionally, as mentioned previously, 1Q24 reflected a full quarter impact under the new subscription billing system which increased the mix of subscriber-only MTMs who typically generate the lowest ARPU.",
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      "kind": "paragraph",
      "text": "ARPU grew 10% YoY primarily driven by:\n• Growth in ExtraCash ARPU due to improvements in both ExtraCash engagement and monetization\n• Growth in Dave Card ARPU reflecting significantly increased Dave Card spend",
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      "kind": "paragraph",
      "text": "We remain confident that our product roadmap across ExtraCash, Dave Card, and Subscriptions will drive ARPU going forward.",
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      "kind": "source-note",
      "text": "Note: See Glossary for the definition of Monthly Transacting Members; chart has been revised from prior disclosure to now reflect GAAP Operating Revenues, Net divided by Monthly Transacting Members in all periods shown (prior disclosure showed Non-GAAP Operating Revenue divided by Monthly Transacting Members). GAAP Operating Revenue, Net aligns with the basis upon which the Company's full year financial guidance is predicated.",
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