Why DAVE's Explosive Growth Can't Be Ignored | A Conversation with Dave & Fraxinus
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0:00 Introduction & What is Dave?
1:44 Who is Dave's Customer?
4:22 Positioning vs. Incumbent Banks
7:25 The Extra Cash Customer Journey
9:35 Cash AI & Underwriting Engine
12:01 Comparison to Affirm & Rapid Model Iteration
15:08 Low Delinquency Rates & Countercyclical Dynamics
20:00 Proven Through a Credit Cycle
21:38 Payback Periods & Growth Algorithm
25:03 Retention, Reactivation & Flywheel
27:40 Cohort Dynamics & Compounding Economics
31:06 Operating Leverage & Software-Like Scalability
32:45 AI Across the Business
36:07 Data-First Culture & Surprising Capabilities
37:28 Origin of the Bear Mascot
38:37 Evolve to Coastal Community Bank Migration
40:21 BNPL Card Product Launch
43:16 Top-of-Wallet Strategy Without Direct Deposit
46:03 Investor Perception of EWA/BNPL Categories
48:06 Share Buyback & Convertible Note
54:06 Valuation & "Have I Missed It?"
57:30 Macro Resilience & Unemployment Dynamics
59:46 Long-Term Vision & Potential Bank Charter
1:02:17 Closing Remarks & Disclosures
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