Jason Wilk, CEO of Dave (NASDAQ: DAVE), explains how the fintech company has been an early adopter of AI, using it since 2019 to pioneer cash flow-based underwriting — a model that’s changing how short-term credit is approved. Instead of relying on traditional FICO scores, Dave uses AI and cash flow data — analyzing factors like income, employment, and spending behavior — to make smarter, fairer lending decisions. This approach gives access to credit for people who are thin file, rebuilding credit, or underserved by traditional banks. By layering AI on top of years of transaction data, Dave has dramatically reduced its loss rates — now sitting near 1% after Q2 — proving that AI-powered underwriting can deliver both inclusion and financial performance. ✅ Save this for later and follow for more CEO insights, fintech innovation stories, and AI breakthroughs shaping the future of finance. #DaveApp #Fintech #DigitalBanking 🖥️ Try Benzinga Pro FREE with a 14 day trial: benz...