Dave is a publicly-traded financial technology company (NASDAQ: DAVE) founded in 2015. Its platform serves over 12 million members through a mobile app that combines banking and financial tools. The company's stated mission is to help Americans avoid predatory fees and manage their finances, with a focus on consumers underserved by traditional financial institutions.
Key products include ExtraCash™, which provides cash advances of up to $500; Dave Checking, a checking account with early direct deposit; and goal-based savings accounts. Dave also operates CashAI™, an AI underwriting model that evaluates creditworthiness by analyzing over 180 data points based on cash flow rather than traditional credit scores. The company employs generative AI through DaveGPT, a support assistant that reports an 82% resolution rate.
Dave's technical work spans AI underwriting, generative AI, mobile app development, and data analytics within the consumer finance and mobile banking sectors. The company describes its culture around values of transparency, helpfulness, and "fighting for the financial underdog."