Jason Wilk, CEO of Dave (NASDAQ: DAVE), breaks down the company’s proprietary underwriting engine called Cash AI — a technology he says gives the fintech a major competitive moat. When users connect their checking accounts, Dave analyzes 6 to 12 months of transaction history, feeding that data into AI models that detect patterns of fraud and creditworthiness. The system then automatically determines which customers to approve and for how much, optimizing both user experience and risk management. Wilk says Cash AI is what makes Dave’s business model scalable and efficient — enabling smarter lending decisions, lower default rates, and stronger margins in a competitive digital banking landscape. ✅ Save this for later and follow for more CEO insights, fintech innovations, and AI-driven business strategy stories. #DaveApp #CashAI #Fintech 🖥️ Try Benzinga Pro FREE with a 14 day trial: benzinga.com/pro/register 📈 Take your trading to the next level with our suite of premiu...