Dave ($DAVE) CEO & CFO on Cash-Flow AI Underwriting, Open Banking, and Serving 12M Consumers

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.Highlights include:Why Dave’s “open” model (work with your existing bank, get value in minutes) lowers CAC and drives word-of-mouth compared with closed ecosystemsHow cash-flow–based underwriting and AI sharpen risk decisions, inform longer-duration credit roadmaps, and guide build-vs-buy choices where advantage is durableThe 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🎧 This episode was recorded on October  8, 2025