MoneyLion Q4 & FY 2023 Earnings Presentation 23X March 7,2024 MoneyLion M 237 Disclaimer expensesandinco ncomeareexcludedorincludedindeter without reconciliations of such forward-looking non-GAAP measures, due to the inherent difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliation, which could be material based on historical adjustments.Accordingly,areconciliationisnotavailablewithoutunreasonableeffort. Forward-Looking Statements cmationinthi forecast,""intend,"" ...

Financial Performance - The company reported net losses of $45.2 million and $189.1 million for the years ended December 31, 2023 and 2022, respectively, with a total accumulated deficit of $702.7 million as of December 31, 2023[171]. - The company has experienced rapid growth, which has increased operational demands and expenses, making future performance predictions challenging[170]. - Economic conditions, including rising interest rates and inflation, could decrease demand for lending products and negatively affect loan performance[182]. - The company may be limited in utilizing net operating loss carryforwards (NOLs) to offset future taxable income, affecting its tax strategy[243]. - The market price of the company's securities may be volatile, influenced by various factors including financial results and market conditions[279]. Revenue and Competition - Revenue from the personal loans vertical represented the majority of the company's Enterprise marketplace revenue during the year ended December 31, 2023[183]. - The company faces significant competition from traditional banks, non-bank digital providers, and emerging startups, which could impact market share and pricing strategies[179]. Risk Management and Compliance - The company is subject to risks associated with borrowers prepaying loans without penalty, which could reduce revenue and servicing fees[172]. - The company’s risk management processes may not effectively identify and control potential risks, leading to unexpected losses[174]. - The company maintains cash balances at third-party financial institutions that exceed FDIC insurance limits, posing liquidity risks[188]. - The company is subject to extensive regulation and oversight, which could impose additional compliance costs and operational challenges[245]. - The company faces risks related to compliance with federal consumer protection laws, which could result in increased regulatory scrutiny and enforcement actions[246]. Legal and Regulatory Environment - The company has faced inquiries and investigations from regulators, including a recent settlement with the Colorado Department of Law regarding historical lending activities, which could have material implications in the future[229]. - The company may incur significant costs related to compliance with governmental regulations, which could adversely impact financial results[230]. - The regulatory landscape for earned wage access products, including the company's Instacash service, is uncertain and may lead to additional compliance requirements[255]. - Non-compliance with changing laws could result in litigation, penalties, and reputational damage, adversely affecting financial results[256]. - The evolving regulatory framework for AI and machine learning technology may require significant resource investment for compliance[257]. Technology and Cybersecurity - Cybersecurity risks are heightened due to the integration of legacy IT systems, which may expose the company to potential breaches and disruptions[196]. - The reliance on third-party data for risk-scoring models may impact the company's ability to operate its platform effectively if disruptions occur[205]. - The company utilizes open-source software, which poses risks of unintentional disclosure of proprietary information and could lead to litigation or operational disruptions[219]. Intellectual Property and Trademarks - The company has 22 registered trademarks and 1 registered copyright as of December 31, 2023, with 10 trademark applications and 1 copyright application pending[209]. - The company does not currently have a patent portfolio, which may hinder its ability to defend against infringement claims from competitors[223]. - The company may face claims from third parties regarding intellectual property rights, which could result in costly litigation and liability[222]. Operational Challenges - The company intends to continue investing in sales, marketing, technology, and new products, which may create challenges in achieving near-term profitability[171]. - The ongoing economic uncertainty and tightening credit markets may require the company to adjust or postpone strategic initiatives[191]. - The company’s inability to maintain or obtain necessary licenses could adversely affect its business and financial condition[213]. Stock and Equity - The company has never declared or paid a cash dividend on the Class A Common Stock and has no current intention to do so in the foreseeable future[296]. - The issuance of additional equity securities may dilute existing stockholders' economic and voting rights and likely reduce the market price of the Class A Common Stock[287]. - Anti-takeover provisions in the company's organizational documents could discourage third-party acquisitions, limiting stockholders' ability to obtain a premium for their shares[289]. Miscellaneous - The company has entered into confidentiality agreements with employees and contractors, but these may not fully protect proprietary information[212]. - The company maintains an enterprise-wide program to comply with anti-money laundering and economic sanctions laws, which is essential for its operations[234]. - There is no assurance that the company's insurance will adequately protect against potential liabilities, which could lead to substantial financial burdens[233].

Exhibit 99.1 MoneyLion Announces Fourth Quarter and Full Year 2023 Results FY 2023 Record Revenue of $423.4 Million, Up 24% Year-over-Year FY 2023 60% Gross Profit Margin, Compared to 57% in FY 2022 FY 2023 Net Loss of $45.2 Million and Q4 2023 Net Loss of $4.2 Million FY 2023 Record Adjusted EBITDA of $46.4 Million; Q4 2023 Record Adjusted EBITDA of $16.5 Million Management Expects Accelerating Revenue Growth and First Positive GAAP EPS Quarter in 2024 NEW YORK, NY, March 7, 2024 – MoneyLion Inc. ("MoneyLi ...

MoneyLion Inc. (ML) will report fourth-quarter 2023 results on Mar 7, 2024, before the bell. The company posted an earnings surprise of 49.4% in the last reported quarter.Expectations This Time AroundMoneyLion’s business model allows it to optimize technology and use proprietary data sets through various customer insights, enabling the company to innovate on technology and grow customers, originations and products.We expect these strengths to have gained traction in the to-be-reported quarter, enabling the ...

Core Insights - TaskUs has launched AssistAI, a knowledge-based assistant built on the TaskGPT platform, aimed at enhancing customer service efficiency and personalization [1][2] - The introduction of AssistAI comes at a pivotal moment as Generative AI (GenAI) becomes a key focus for businesses seeking innovation and improved customer experiences [2][3] Company Overview - TaskUs is a leading provider of outsourced digital services and next-generation customer experience, serving over 150 clients across various sectors including social media, e-commerce, gaming, and FinTech [6][7] - As of September 30, 2023, TaskUs employs approximately 47,000 people across 28 locations in 13 countries [7] Product Features - AssistAI is custom-trained on client knowledge bases and historical interactions, allowing it to provide accurate and personalized responses, thereby improving overall efficiency [1][4] - Key benefits of AssistAI include enhanced quality of responses, consistency in customer interactions, quick correction of misinformation, and reduced hold times for live support [4] Market Context - Tech decision-makers are projected to spend between $15,000 to $5 million annually on large language models (LLMs), indicating a growing investment in AI technologies [2] - TaskUs collaborates with major technology companies like AWS and Zendesk to deliver GenAI-powered solutions that enhance productivity and client satisfaction [2]

NEW YORK--(BUSINESS WIRE)--MoneyLion Inc. (“MoneyLion”) (NYSE: ML), a leader in financial technology powering the next generation of personalized products and content, today announced that it will release its financial results for the fourth quarter and full year of 2023 on Thursday, March 7, 2024. An earnings conference call will be held at 8:30 a.m. ET on the same day. A live webcast of the call and supporting materials will be available at investors.moneylion.com. Following the call, a replay and transcr ...

Acceleration of revenue and profitability growth through product-line expansion, diversification and customer acquisition Increased efficiency in acquisition, personalization at-scale and digital platform deployment LONDON, Feb. 6, 2024 /PRNewswire/ -- The EY organization today announces an alliance between MoneyLion Inc. (NYSE: ML), a leading enterprise and consumer FinTech company, and Ernst & Young LLP (EY US), to help drive innovation and growth within the banking sector. The Alliance leverages MoneyL ...

Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the 'long' context, investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even ...

When it comes to short-term investing or trading, they say "the trend is your friend." And there's no denying that this is the most profitable strategy. But making sure of the sustainability of a trend to profit from it is easier said than done.Often, the direction of a stock's price movement reverses quickly after taking a position in it, making investors incur a short-term capital loss. So, it's important to ensure that there are enough factors -- such as sound fundamentals, positive earnings estimate rev ...

MoneyLion Inc. (NYSE:ML) Q3 2023 Earnings Conference Call November 7, 2023 8:30 AM ET Company Participants Sean Horgan - Head of IR Diwakar Choubey - CEO Richard Correia - CFO Conference Call Participants Hal Goetsch - B. Riley George Sutton - Craig-Hallum Capital Group Josh Siegler - Cantor Fitzgerald Operator Greetings. Welcome to the MoneyLion's Third Quarter 2023 Earnings Call. [Operator Instructions] Please note this conference is being recorded. I will now turn the conference over to Sean Horgan, Head ...