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      "text": "2021 57% May '24 65% % of Consumers Living Paycheck-to-Paycheck",
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      "text": "Trouble managing cash flow\nMinimal to moderate savings\nOverdraft up to 20x per year\nNeed access to affordable credit\nIncludes both young and financially challenged Americans",
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      "text": "TAM 180MM Customers 1",
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      "text": "TAM Grew 8% (~15MM Customers) since 2021¹",
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      "kind": "paragraph",
      "text": "...and further eroding consumer savings balances: U.S. savings rate is far below pre-pandemic levels2",
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      "text": "Note: TAM = total addressable market. (1) Financial Health Network's \"Financial Health Pulse 2023 U.S. Trends Report\"; 180 million represents the total number of financially vulnerable or financially coping consumers in that study. The corresponding figure in 2021 and 2022 was 166 and 176 million respectively. (2) Source: U.S. Bureau of Economic Analysis (3) Source: PYMNTS.com New Reality Check: The Paycheck-To-Paycheck Report, June 2024; 2021 statistic represents the simple average of corresponding monthly values.",
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