Dave CEO Jason Wilk and CFO/COO Kyle Beilman break down how the company wins by leading with short-term credit, using real cash-flow data instead of FICO, and keeping distribution open so customers don’t have to switch banks.
The Highlights:
• Why Dave’s “open” model (work with your existing bank, get value in minutes) lowers CAC and drives word-of-mouth compared with closed ecosystems
• How cash-flow–based underwriting and AI sharpen risk decisions, inform longer-duration credit roadmaps, and guide build-vs-buy choices where advantage is durable
• The team’s public company playbook: crisp three-point narratives, conservative guidance to build trust, and an operating cadence that keeps IR and execution in sync
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