Supercharge Your CashAI Engine with Enhanced Cashflow Analytics

Navigate FTC challenges, scale underwriting, and maximize your ExtraCash originations

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WATCH
How Pave's enhanced cashflow analytics complement Dave's CashAI to drive even better underwriting performance
45%
Increase in Approvals
27%
Reduction in NSFs
74%
Higher Advance Amounts

Challenges Dave Solves

CashAI Enhancement Needs
While your CashAI is industry-leading, you need additional data sources beyond bank transactions to further reduce the 1.50% delinquency rate and increase the $160 average advance amount.
Maximize Revenue Per Member
Optimize revenue growth through enhanced underwriting that enables higher safe advance amounts and improved member lifetime value across your growing user base.
Accelerate Growth Trajectory
With record $1.5B+ quarterly ExtraCash originations and 12M+ members, you need enhanced analytics to safely scale even faster while maintaining your industry-leading credit performance.
Innovation Leadership
As the pioneer in AI-powered cash advance underwriting, stay ahead of the curve with next-generation analytics that complement your proven CashAI technology.

How Dave Can Transforms Dave's CashAI Engine

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Additional Data Layer for CashAI

Integrate Pave's 7,500+ cashflow attributes with your existing CashAI model to create an even more powerful underwriting engine with better risk prediction.

Income Prediction Enhancement

Integrate Pave's 7,500+ cashflow attributes with your existing CashAI model to create an even more powerful underwriting engine with better risk prediction.

Safe Advance Amount Increases

Integrate Pave's 7,500+ cashflow attributes with your existing CashAI model to create an even more powerful underwriting engine with better risk prediction.

Real-Time Risk Monitoring

Integrate Pave's 7,500+ cashflow attributes with your existing CashAI model to create an even more powerful underwriting engine with better risk prediction.

Projected Impact on Dave’s Metrics

$270M+
Additional Annual Revenue
(Based on $1.5B quarterly volume)
1.0%
Target Delinquency Rate
(From current 1.50%)
$240
Target Average Advance
(From current $160)
85%
Variable Margin Target
(From current 77%)
CASE STUDY

Top 10 Cash Advance Provider

Similar marketplace lender used Pave's Cash Advance Score to transform their business model

74%
Higher advance amounts for high-scoring users
18%
Net revenue increase
13%
Default rate reduction
43%
Fewer advances to high-risk users

Pave's Cashflow Analytics for LendingClub

CashAI Integration
Seamlessly integrate with your existing CashAI infrastructure via APIs without disrupting current operations
Cash Advance Score
Purpose-built score specifically for cash advance products, trained on millions of advance transactions
Real-Time Analytics
Process cashflow insights in milliseconds to enhance your existing real-time underwriting decisions
Continuous Learning
Models that learn from your Dave-specific data to improve performance over time
Regulatory Compliance
Transparent, explainable AI models that support regulatory compliance and fair lending practices
Quick Implementation
Deploy enhanced analytics in 2-4 weeks alongside your existing CashAI system
Pave's advanced cashflow analytics allow us to offer personalized advances tailored to each worker's income. This partnership empowers us to scale while staying true to our commitment to each worker's unique financial needs.

Ricky Michel Presbot

CEO of Ualett

Ready to Rebuild Your Marketplace Revenue?

Most lenders excel at predicting defaults but miss out on good borrowers. Pave’s models, trained on a diverse data from 20M+ borrowers, help lenders identify and approve healthy overlooked borrowers, driving growth and expanding their reach.

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30-minute personalized demo

Custom ROI analysis

Integration timeline discussion