{
  "docId": "019de518-7a56-720e-9236-4ff4352f4572",
  "docSlug": "0348d105cbbbd6e1016cd4d5e7f24b9a",
  "documentTitle": "Dave | Results Presentation Deck | 39 slides",
  "authorId": "dave",
  "authorName": "Dave",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-08-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 6,
  "pageCount": 39,
  "prevPage": 5,
  "nextPage": 7,
  "slideType": "competitive_analysis",
  "function": "expose_gap",
  "density": "overcrowded",
  "nDataPoints": 19,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 0.9,
  "imagePath": null,
  "slideHref": "/slides/019de518-7a56-720e-9236-4ff4352f4572/6",
  "deckHref": "/decks/019de518-7a56-720e-9236-4ff4352f4572",
  "deckJsonHref": "/decks/019de518-7a56-720e-9236-4ff4352f4572.json",
  "deckAnchorHref": "/decks/019de518-7a56-720e-9236-4ff4352f4572#slide-6",
  "components": [
    {
      "bbox": {
        "h": 0.04,
        "w": 0.248,
        "x": 0.376,
        "y": 0.14
      },
      "kind": "callout",
      "text": "$300 - $400",
      "attrs": {},
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "9a9b36a0-93d1-4aea-990b-a6d805a63398",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.049,
        "w": 0.13,
        "x": 0.799,
        "y": 0.32
      },
      "kind": "image",
      "text": "Dave®",
      "attrs": {},
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "250839bf-c57a-4fc2-92da-ada58db5e2d6",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.101,
        "x": 0.236,
        "y": 0.33
      },
      "kind": "image",
      "text": "CHASE",
      "attrs": {},
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "5dca8c0d-0b1a-4704-b479-ddd749a34c20",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.05,
        "x": 0.03,
        "y": 0.927
      },
      "kind": "image",
      "text": "Dave®",
      "attrs": {},
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "63e038c9-dc20-471a-a967-56579b9817b3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.049,
        "w": 0.089,
        "x": 0.679,
        "y": 0.32
      },
      "kind": "image",
      "text": "BANK OF AMERICA",
      "attrs": {},
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "88a6d455-1325-4d5a-98ff-ad08091fff65",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.049,
        "w": 0.09,
        "x": 0.517,
        "y": 0.32
      },
      "kind": "image",
      "text": "usbank",
      "attrs": {},
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "e9b00643-53fc-4460-81a7-77bf7b90d287",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.049,
        "w": 0.06,
        "x": 0.389,
        "y": 0.32
      },
      "kind": "image",
      "text": "WELLS FARGO",
      "attrs": {},
      "subkind": "logo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "fd8a1b01-13d8-4e7b-b4ed-a946e336ec52",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.016,
        "w": 0.48,
        "x": 0.265,
        "y": 0.237
      },
      "kind": "paragraph",
      "text": "Average fees paid per year by financially struggling Americans to legacy banks(2)",
      "attrs": {},
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0d94fe99-c01b-45d1-9b33-cb79f80deea9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.13,
        "x": 0.809,
        "y": 0.786
      },
      "kind": "paragraph",
      "text": "Using tech to deliver superior products with a fraction of the overhead",
      "attrs": {},
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "22043999-9e4e-472d-94a0-5651c2f17539",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.705,
        "x": 0.113,
        "y": 0.902
      },
      "kind": "source-note",
      "text": "(1) Chase: Overdraft fee charged for overdrafts of $50 or more; bank account fees waived with monthly direct deposits of $500 or more or beginning daily balance of $1,500 or average beginning daily balance of $5,000 across Chase accounts.\nWF: Overdraft fee charged for overdrafts of $5 or more; account fees waived only with monthly direct deposits of $500 or minimum daily balance of $500 or 17-24 year old primary account holder or Campus Debit/ATM card linked to account\nUS Bank: Overdraft fee charged for overdrafts of $50 or more; account fees waived only with monthly direct deposits of $1,000 or avg. account balance of $1,500 or greater or presence of a qualified US Bank credit card\nBofA: Overdraft fee charged for overdrafts over $1; bank account fees waived with one of the following: one qualifying direct deposit of at least $250, minimum daily balance of $1,500, or qualify for Preferred Rewards Gold +\n(2) Consumer Financial Protection Bureau: https://www.federalregister.gov/documents/2023/10/17/2023-22869/supervisory-highlights-junk-fees-update-special-edition-issue-31-fall-2023\n(3) Source: company websites.\n(4) Optional fees include instant transfer fees and tips on ExtraCash advances, both of which are optional. $1 per month Dave membership fee applies. Approved members are able to disburse their ExtraCash advances via ACH at no cost.",
      "attrs": {},
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c1321d05-6511-4141-af6c-547f51c4d47a",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.305,
        "w": 0.939,
        "x": 0.03,
        "y": 0.45
      },
      "kind": "table",
      "text": "Overdraft Cost(1) $34 $35 $36 $10 As low as $0(4)\nAnnual bank account maintenance fees(3) $144 $120 $83 $144 $0\nMinimum balance to avoid account maintenance fees(3) $1,500 $500 $1,500 $1,500 $0",
      "attrs": {},
      "subkind": "data",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "2401d753-0687-4cd2-9209-64f76f92e696",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.939,
        "x": 0.029,
        "y": 0.058
      },
      "kind": "title",
      "text": "Legacy banks need to charge high fees to everyday consumers...",
      "attrs": {},
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "4ba7b8dd-59d2-41f4-99c4-1b31fb48708f",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 7,
      "from": 6,
      "beatId": "752a9e65-ae7a-4078-ba44-f23f7d2d9edd",
      "arcName": "Problem-Agitate-Solution",
      "arcSlug": "problem-agitate-solution",
      "beatName": "Agitate (Make it worse)",
      "beatSlug": "problem-agitate-solution-agitate-make-it-worse",
      "evidence": "Legacy banks need to charge high fees to everyday consumers due to their higher cost to serve, inefficient CACs, and limited interchange revenue.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Development",
      "parentBeatSlug": "development"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}