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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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      "text": "Dave Card Spend Volumes ($MM)\n19% Year-Over-Year Growth\n$341\n$369\n$394\n$388\n$407\n3Q23\n4Q23\n1Q24\n2Q24\n3Q24",
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      "text": "Dave Card spend grew 19% YoY and 5% QoQ reflecting our strategy of incentivizing bank cross-attach via discounted express fees for ExtraCash disbursements sent to Dave Card accounts, alongside continued incremental improvements in our broader bank product (e.g. 4.00% APY on checking and saving balances, optional Round-Up savings, and improved diversity of funding options). This strategy and our Dave Card optimizations also helped to drive growth in external funding.",
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      "text": "Our Dave Card strategy leverages our market-leading ExtraCash™ value proposition to drive top-of-wallet spending behavior and build longer-term banking relationships with our members.",
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      "kind": "paragraph",
      "text": "In 2025, we plan to allocate more of our R&D resources toward elevating the Dave Card experience to encourage greater adoption and top-of-wallet spending behavior.",
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      "text": "Note: See Glossary for the definition of Dave Card Spend Volumes",
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