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  "documentTitle": "Dave | Results Presentation Deck | 39 slides",
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  "authorName": "Dave",
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  "presentationDate": "2024-08-01 00:00:00",
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      "text": "CAC Comparison: Legacy Banks $500, Dave $15 (97% Lower)",
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      "text": "Cost to Serve Comparison: Legacy Banks $300, Dave $50 (83% Lower)",
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      "text": "Dave is able to offer substantially lower, optional fees due its lower cost to serve",
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      "text": "Dave's efficient CAC results from significant organic acquisition, channel distribution, and digital capabilities; Banks often rely on legacy channels and undifferentiated messaging",
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      "kind": "source-note",
      "text": "Source: discussions with money center bank executives; corroborated by proprietary research findings from a leading consulting firm. Reflects Non-GAAP Variable Operating Expenses per MTM annualized based on Dave's 2Q24 financial results. Source: Legacy bank company presentations and https://www.glassbox.com/blog/customer-acquisition-in-banking/ (figure provided is an average).",
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      "text": "Comparison of Legacy Banks vs. Dave across Technology, Underwriting, Headcount, Facilities, Operations, and Interchange Revenue.",
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