Dave

Dave is a consumer fintech company founded in 2015 and publicly traded on NASDAQ under the ticker DAVE. Its mobile banking app is designed to help Americans avoid overdraft fees, access cash advances and build financial security through cash-flow-based financial products. The company reports serving over 12 million members across the United States.

Machine learning sits at the centre of the company's product stack. CashAI™, a proprietary underwriting model, assesses creditworthiness on the basis of cash flow rather than traditional credit scores, analysing more than 180 data points per applicant. DaveGPT, a generative AI assistant, provides real-time member support and achieves a reported resolution rate of 82%. Engineering work spans predictive modelling, cash-flow analytics and mobile app development, applied to problems in consumer lending and digital banking.

The product line includes ExtraCash™, which offers members advances of up to $500 to help them avoid overdraft fees; Dave Checking, providing early direct deposit; and goal-based savings accounts structured around member financial objectives. The company describes itself as a champion of the "financial underdog", with stated values of being member-centric, helpful, transparent, persistent and better together, and a focus on financial inclusion for underserved Americans.