Dave is a digital banking service that works on tips and subscription fees rather than overdraft fees, putting users’ financial well-being first. As the pandemic shifted consumer behavior away from brick-and-mortar financial institutions, Dave saw a massive growth opportunity — but also faced fierce competition from large corporations entering the digital banking space.

Dave’s core challenge was scaling user acquisition beyond $120K in monthly spend without destroying unit economics. Every attempt to push past this threshold resulted in rising CPIs and diminishing returns. Their team needed a partner that could think outside the box, constantly testing new audiences and bid strategies to decrease CPI and CPA while managing the delicate balance of acquiring new users in a highly competitive fintech landscape.

The stakes were high: Dave needed to acquire users at scale and retain them as active banking customers, competing against well-funded incumbents across the US market.