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And we\u2019ve been able to increase the amount of money we give away so it\u2019s just gotten a lot better over the years.\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: \"We also use AI with customer support, over 50% of our support responses are with a chatbot. That also brings down costs. We have 320 employees and most banks have over 100,000 employees. 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The prediction is that by 2029, the job outlook for these two fields will grow by 8%.\"\n}, {\n  aV0yI15Xy: \"2023-03-29T00:00:00.000Z\",\n  DM1I3fhCf: /*#__PURE__*/_jsxs(React.Fragment, {\n    children: [/*#__PURE__*/_jsx(\"h3\", {\n      children: \"Q&A with Dave founder Jason Wilk\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: \"Right before the Silicon Valley Bank meltdown, I had a conversation with Jason Wilk, founder and CEO of neobank Dave, about that company\u2019s business. I was intrigued because the neobank \u2014 which counted Mark Cuban as one of its investors as a private company \u2014 took what some might say was a backward route to becoming a neobank. Rather than start out offering checking and savings, it worked its way there. And the strategy seems to have paid off for the fintech company, which went public in January of 2022. It recently reported 45% higher GAAP revenue of $59.6 million for the fourth quarter of 2022, up 45% from the same period the year prior. Here are excerpts of my interview with Wilk, which have been edited for brevity and clarity.\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsx(\"h3\", {\n      children: \"Into the future\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsxs(\"p\", {\n      children: [\"JW: \", /*#__PURE__*/_jsx(\"em\", {\n        children: \"This is a challenging place for growth companies\"\n      }), \", who may have access to more capital to eventually get it because the cost of capital is a lot more expensive due to the interest rates.\"]\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: \"That\u2019s one of the reasons why our stock has come down so much \u2014 given we are not yet profitable, although close to it. The benefit of higher interest rates for customers is that they can earn higher interest on savings and deposits, and we do benefit from that as well, as we can earn extra income from the higher rates. But I\u2019d say overall that the highest interest rate environment is more negative than positive on the business.\"\n    }), /*#__PURE__*/_jsx(\"h3\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsx(\"h3\", {\n      children: \"What happens next?\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsxs(\"p\", {\n      children: [\"Last year we were 8 to 10 quarters out. Now we\u2019re 4 to 6 quarters away from when we expect the company to be profitable. We were before in \", /*#__PURE__*/_jsx(\"strong\", {\n        children: \"2018 and 2019\"\n      }), \", so we\u2019ve been there before. 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I was intrigued because the neobank \u2014 which counted Mark Cuban as one of its investors as a private company \u2014 took what some might say was a backward route to becoming a neobank. Rather than start out offering checking and savings, it worked its way there. And the strategy seems to have paid off for the fintech company, which went public in January of 2022. It recently reported 45% higher GAAP revenue of $59.6 million for the fourth quarter of 2022, up 45% from the same period the year prior. 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The benefit of higher interest rates for customers is that they can earn higher interest on savings and deposits, and we do benefit from that as well, as we can earn extra income from the higher rates. But I\u2019d say overall that the highest interest rate environment is more negative than positive on the business.\"\n    }), /*#__PURE__*/_jsx(\"h3\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsx(\"h3\", {\n      children: \"What happens next?\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsxs(\"p\", {\n      children: [\"Last year we were 8 to 10 quarters out. Now we\u2019re 4 to 6 quarters away from when we expect the company to be profitable. We were before in \", /*#__PURE__*/_jsx(\"strong\", {\n        children: \"2018 and 2019\"\n      }), \", so we\u2019ve been there before. We\u2019ve added a sufficient amount of staff to build our future roadmap and have 1.9 million monthly transacting members on to Dave. We need to get 2.2 million to 2.4 million customers to get to profitability/break even. We don\u2019t need to raise capital or any other liquidity.\"]\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsx(\"h3\", {\n      children: \"How does AI come into play with all of this?\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: /*#__PURE__*/_jsx(\"br\", {\n        className: \"trailing-break\"\n      })\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: \"We\u2019ve gotten really good with our AI engine, which is able to very accurately detect somebody\u2019s income and understand how risky it might be to give somebody the money before they get paid. And because of that AI engine, we\u2019ve gotten default rates down to about 2%. And we\u2019ve been able to increase the amount of money we give away so it\u2019s just gotten a lot better over the years.\"\n    }), /*#__PURE__*/_jsx(\"p\", {\n      children: \"We also use AI with customer support, over 50% of our support responses are with a chatbot. That also brings down costs. We have 320 employees and most banks have over 100,000 employees. 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