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  "documentTitle": "Dave | Results Presentation Deck | 39 slides",
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  "authorName": "Dave",
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  "presentationDate": "2024-11-01 00:00:00",
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  "pageNumber": 19,
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      "kind": "chart",
      "text": "Bar chart showing Total Monthly Transacting Members (MMs) from 3Q23 to 3Q24, with values 1.9, 2.1, 2.2, 2.3, 2.4. An inflection point for Adj. EBITDA Profitability is noted at 2.1 MMs.",
      "attrs": {
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      "text": "MTMs grew 23% YoY as our credit-first value proposition and banking product suite continued to drive improvements in new member conversion, existing member retention, and dormant member reactivation..",
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      "kind": "paragraph",
      "text": "Total MTMs were up 4% QoQ as ExtraCash™™ and Dave Card demand remains strong. We believe continued optimization of our CashAI™™ underwriting will help to support MTM growth in 4Q24 and beyond.",
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      "kind": "paragraph",
      "text": "We remain focused on converting new members into MTMs, retaining and deepening engagement among our existing MTM base, and continuing to realize the reactivation potential of our 9mm+ non-transacting members.",
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      "kind": "source-note",
      "text": "Note: See Glossary for the definition of Monthly Transacting Members",
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