Dave, Inc. is a financial technology (fintech) company that aims to help individuals manage their finances more effectively. The company operates primarily through its mobile app, which offers a range of financial services designed to assist people in navigating their financial lives with greater ease and security. Dave serves over 10 million members, focusing on individuals who often find themselves struggling between paychecks.

The core market for Dave is the personal finance sector, particularly targeting lower to middle-income individuals who may face challenges with traditional banking services. Dave's business model revolves around providing banking services without the typical fees associated with traditional banks. This includes no overdraft fees, no minimum balance fees, and no ATM fees at over 32,000 MoneyPass ATMs.

Dave makes money through a combination of subscription fees and optional services. Users can access features like small cash advances on their next paycheck without interest or credit checks, which helps them avoid expensive overdraft fees. Additionally, Dave offers a feature called "Side Hustle" that helps users find side jobs to supplement their income. The company also provides a free one-year subscription to LevelCredit, which helps users build their credit scores by reporting rent payments.

The app's simplicity and user-friendly interface have garnered positive reviews, with many users appreciating its non-judgmental approach and practical assistance in avoiding financial pitfalls. Dave partners with Evolve Bank & Trust, which holds all deposits and issues the Dave Debit Card.

In summary, Dave, Inc. is a fintech company dedicated to providing accessible and fee-free banking services to help individuals better manage their finances and avoid common banking fees.

Keywords: fintech, personal finance, cash advances, no fees, overdraft protection, side jobs, credit building, mobile app, user-friendly, banking services.