Dave’s CEO says they’ve been using AI since 2019. 🤖💡 Jason Wilk explains how the company pioneered cash flow-based underwriting — approving people based on income, spending, and employment instead of FICO scores. The result? Loss rates are now near 1% after Q2. ⚡️ #DaveApp #JasonWilk #AIUnderwriting #Fintech #DigitalBanking