Cherie Brooke Luo

So where do you see the biggest opportunities for fintech to reshape how people manage their money?

How does the 1% compared to like an average benchmark default score?

Like what is the average?

That's really cool.

What are some of the features that have surprised you that are like overweighted that you didn't think would be a strong indicator or I'm just interested?

Wow.

The time at which you buy food.

I think this model is really interesting.

I want to dig into it.

More personalized.

So you mean just like larger origination sizes, like bigger loans

Would you ever turn the model itself into a product, like B2B?

I thought my question was so original.

Everyone wants some insight.

I think another really interesting part of your experience is that Dave's entire experience has become kind of like a real-time case study in startup risk and consumer protection.

So what do you think founders and fintech leaders should learn from how your company navigated this regulatory challenge?

Basically, all of the interactions that you guys have had with the FTC and DOJ and navigating that whole part of your history.

Yeah.

I mean, and your first job was largely tips based.

Yeah.