Credit Risk ManagementImprovements to CashAI have helped keep short-term delinquency rates under control, reducing investor concerns about credit deterioration and supporting more stable growth.
Product OfferingExtraCash delivers small-dollar, short-duration advances tied to customers' pay cycles, providing fast access to liquidity when traditional bank credit is unavailable or costly.
Regulatory Policy ImpactA cap on interchange fees could prompt banks to reduce or cancel cards for lower-income customers, pushing affected consumers toward alternative short-term lenders and increasing demand for DAVE's services.