MoneyLion Announces Second Quarter 2023 Results
- Record revenue of $107 million, up 22% YoY
- Gross profit and adjusted EBITDA margin expansion
- Total Customers grew 114% YoY to 9.9 million
- Net loss before other expense and income taxes decreased from $27 million to $2 million
- Quarterly net loss of $28 million
Record Revenue of
Net Loss Before Other Expense and Income Taxes of
Quarterly Net Loss of
Gross Profit and Adjusted EBITDA Margin Expansion in Q2 2023 Compared to Q1 2023
Near-Breakeven Cash Flows after Operating and Investing Activities
“Thanks to the hard work of our exceptional team, MoneyLion was able to reach record revenue and its second consecutive quarter of positive Adjusted EBITDA,” said Dee Choubey, MoneyLion’s co-founder and Chief Executive Officer. “Performance in the second quarter was driven by product diversification and margin expansion in our Enterprise marketplace business and continued momentum and robust credit performance in our Consumer business.”
Choubey continued, “The evolution of the MoneyLion ecosystem has allowed us to deliver high incremental margin revenue growth. We ended the quarter with nearly 10 million Total Customers, more than twice as many compared to the second quarter of 2022. With this platform strength, a robust balance sheet and our pipeline of innovative product releases and features, MoneyLion is poised to build on its momentum of scaling profitably.”
Financial Results(1)
| Three Months Ended June 30, | ||||||||
| (in thousands) | 2023 |
|
2022 |
|
% Change | |||
| Financial Metrics | ||||||||
| Total revenues, net | $ |
106,541 |
$ |
87,340 |
|
|||
| Gross profit |
|
62,602 |
|
48,100 |
|
|||
| Gross profit margin |
|
|
|
|
|
|||
| Net loss before other (expense) income and income taxes |
|
(1,720) |
|
(26,905) |
— |
|||
| Net loss |
|
(27,723) |
|
(23,065) |
— |
|||
| Adjusted EBITDA |
|
9,233 |
|
(18,531) |
— |
|||
| Adjusted EBITDA margin |
|
|
|
( |
— |
|||
| (in millions) | ||||||||
| Key Operating Metrics | ||||||||
| Total Customers |
|
9.9 |
|
4.6 |
|
|||
| Total Products |
|
17.3 |
|
10.1 |
|
|||
| Total Originations | $ |
550 |
$ |
439 |
|
|||
“MoneyLion delivered revenue of
Total revenues, net increased
Gross profit increased
MoneyLion recorded a net loss before other expense and income taxes of
| Three Months Ended June 30, | ||||||
| (in thousands) | 2023 |
2022 |
||||
| Net loss | $ |
(27,723) |
$ |
(23,065) |
||
| Add back: | ||||||
| Interest related to corporate debt |
|
3,475 |
|
2,653 |
||
| Income tax (benefit) expense |
|
(262) |
|
16 |
||
| Depreciation and amortization expense |
|
6,113 |
|
6,006 |
||
| Changes in fair value of warrant liability |
|
(162) |
|
(2,951) |
||
| Change in fair value of contingent consideration from mergers and acquisitions |
|
(6,367) |
|
(8,480) |
||
| Goodwill impairment loss |
|
26,721 |
|
- |
||
| Stock-based compensation expense |
|
5,250 |
|
5,248 |
||
| One-time expenses |
|
2,188 |
|
2,042 |
||
| Adjusted EBITDA | $ |
9,233 |
$ |
(18,531) |
||
Customer, Origination and Product Growth
Total Customers grew
Q3 2023 Financial Guidance:
For the third quarter of 2023, MoneyLion expects:
-
Total revenues, net of approximately
$110 $115 million -
Gross profit margin of
55% to60% -
Adjusted EBITDA of approximately
$6 $10 million
(1) Adjusted EBITDA is a non-GAAP measure. Refer to the definition of Adjusted EBITDA in the discussion of non-GAAP financial measures and the accompanying reconciliation below.
Conference Call
MoneyLion will hold a conference call today at 8:30 a.m. ET to discuss its second quarter 2023 results. A live webcast will be available on MoneyLion’s Investor Relations website at investors.moneylion.com. Please dial into the conference 5-10 minutes prior to the start time and ask for the MoneyLion second quarter 2023 earnings call.
Toll-free dial-in number: 1-877-502-7184
International dial-in number: 1-201-689-8875
Following the call, a replay and transcript will be available on the same website.
About MoneyLion
MoneyLion is a leader in consumer and enterprise financial technology powering the next generation of personalized products and content, with a top consumer finance app, a premier embedded finance platform for enterprise businesses and a world-class media arm. MoneyLion’s mission is to positively change people’s financial path by rewiring the financial system and empowering them with greater financial literacy and access. In our go-to money app for consumers, we deliver curated content on finance and related topics, through a tailored feed that engages people to learn and share. People take control of their money life with our innovative financial products and marketplace - including our full-fledged suite of features to save and invest - seamlessly bringing together the best offers and content from MoneyLion and our 1,000+ enterprise partner network, together in one experience. MoneyLion’s enterprise technology provides the definitive search engine and marketplace for financial products, enabling any company to add embedded finance to their business, with advanced AI-backed data and tools through our platform and API. Established in 2013, MoneyLion connects millions of people with the financial products and content they need, when and where they need it. MoneyLion was recently named a CNBC top global fintech company of 2023.
For more information about the company, visit www.moneylion.com. For investor information and updates, visit investors.moneylion.com and follow @MoneyLionIR on Twitter.
Forward-Looking Statements
The information in this press release includes “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as “estimate,” “plan,” “project,” “forecast,” “intend,” “will,” “expect,” “anticipate,” “believe,” “seek,” “target” or other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These forward-looking statements include, but are not limited to, statements regarding, among other things, MoneyLion’s financial position, results of operations, cash flows, prospects and growth strategies. These statements are based on various assumptions, whether or not identified in this press release, and on the current expectations of MoneyLion’s management, are subject to a number of risks and uncertainties and are not predictions of actual performance. Actual events and circumstances are difficult or impossible to predict and will differ from assumptions. Many actual events and circumstances are beyond the control of MoneyLion.
Factors that could cause actual results and outcomes to differ from those reflected in forward-looking statements include, among other things: factors relating to the business, operations and financial performance of MoneyLion, including market conditions and global and economic factors beyond MoneyLion’s control; MoneyLion's ability to acquire, engage and retain customers and clients and sell or develop additional functionality, products and services to them on the MoneyLion platform; MoneyLion’s reliance on third-party partners, service providers and vendors, including its ability to comply with applicable requirements of such third parties; demand for and consumer confidence in MoneyLion’s products and services, including as a result of any adverse publicity concerning MoneyLion; any inaccurate or fraudulent information provided to MoneyLion by customers or other third parties; MoneyLion’s ability to realize strategic objectives and avoid difficulties and risks of any acquisitions, strategic investments, entries into new businesses, joint ventures, divestitures and other transactions; MoneyLion’s success in attracting, retaining and motivating its senior management and other key personnel; MoneyLion’s ability to renew or replace its existing funding arrangements and raise financing in the future, to comply with restrictive covenants related to its long-term indebtedness and to manage the effects of changes in the cost of capital; MoneyLion's ability to achieve or maintain profitability in the future; intense and increasing competition in the industries in which MoneyLion and its subsidiaries operate; risks related to the proper functioning of MoneyLion’s information technology systems and data storage, including as a result of cyberattacks, data security breaches or other similar incidents or disruptions suffered by MoneyLion or third parties upon which it relies; MoneyLion’s ability to protect its intellectual property and other proprietary rights and its ability to obtain or maintain intellectual property, proprietary rights and technology licensed from third parties; MoneyLion’s ability to comply with extensive and evolving laws and regulations applicable to its business and the outcome of any legal or governmental proceedings that may be instituted against MoneyLion; MoneyLion's ability to establish and maintain an effective system of internal controls over financial reporting; MoneyLion’s ability to maintain the listing of MoneyLion’s Class A common stock and of MoneyLion’s publicly traded warrants to purchase MoneyLion Class A common stock on the New York Stock Exchange and any volatility in the market price of MoneyLion’s securities; and factors discussed in MoneyLion’s filings with the Securities and Exchange Commission. There may be additional risks that MoneyLion presently knows or that MoneyLion currently believes are immaterial that could also cause actual results to differ from those contained in the forward-looking statements.
In addition, forward-looking statements reflect MoneyLion’s expectations, plans or forecasts of future events and views as of the date of this press release. MoneyLion anticipates that subsequent events and developments will cause its assessments to change. However, while MoneyLion may elect to update these forward-looking statements at some point in the future, MoneyLion specifically disclaims any obligation to do so. These forward-looking statements should not be relied upon as representing MoneyLion’s assessments as of any date subsequent to the date of this press release. Accordingly, undue reliance should not be placed upon the forward-looking statements.
Financial Information; Non-GAAP Financial Measures
Adjusted EBITDA has not been prepared in accordance with
A reconciliation of Adjusted EBITDA to net income (loss), the most directly comparable GAAP measure, is set forth below. To the extent that forward-looking non-GAAP financial measures are provided, they are presented on a non-GAAP basis 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, a reconciliation is not available without unreasonable effort.
Definitions:
Gross Profit: Prepared in accordance with
| Three Months Ended June 30, | ||||||
| (in thousands) | 2023 |
2022 |
||||
| Total revenue, net | $ |
106,541 |
$ |
87,340 |
||
| Less: | ||||||
| Cost of Sales | ||||||
| Direct costs |
|
(32,230) |
|
(29,386) |
||
| Provision for credit losses on receivables - subscription receivables |
|
(1,189) |
|
(1,221) |
||
| Provision for credit losses on receivables - fees receivables |
|
(3,869) |
|
(2,204) |
||
| Technology related costs |
|
(3,006) |
|
(2,525) |
||
| Professional services |
|
(1,270) |
|
(1,129) |
||
| Compensation and benefits |
|
(2,283) |
|
(2,657) |
||
| Other operating expenses |
|
(92) |
|
(118) |
||
| Gross profit | $ |
62,602 |
$ |
48,100 |
||
Adjusted EBITDA: A non-GAAP measure, defined as net income (loss) plus interest expense related to corporate debt, income tax expense (benefit), depreciation and amortization expense, change in fair value of warrants, change in fair value of subordinated convertible notes, change in fair value of contingent consideration from mergers and acquisitions, goodwill impairment loss, stock-based compensation and one-time expenses less origination financing cost of capital.
Total Customers: Defined as the cumulative number of customers that have opened at least one account, including banking, membership subscription, secured personal loan, Instacash advance, managed investment account, cryptocurrency account and customers that are monetized through our marketplace and affiliate products. Total Customers also include customers that have submitted for, received or clicked on at least one marketplace loan offer. Previously, Total Customers included all customers that submitted for or clicked on an offer through our marketplace but were not necessarily monetized, which we changed beginning in the third quarter of 2022 in order to more accurately reflect management’s view of our customers. Total Customers for all prior periods have been recast to present the updated definition of Total Customers.
Total Products: Defined as the total number of products that our Total Customers have opened, including banking, membership subscription, secured personal loan, Instacash advance, managed investment account, cryptocurrency account and monetized marketplace and affiliate products, as well as customers who signed up for our financial tracking services (with either credit tracking enabled or external linked accounts), whether or not the customer is still registered for the product. Total Products also include marketplace loan offers that our Total Customers have submitted for, received or clicked on through our marketplace. If a customer has funded multiple secured personal loans or Instacash advances or opened multiple products through our marketplace, it is only counted once for each product type. Previously, Total Products included all products for which our Total Customers submitted or clicked on an offer but were not necessarily monetized, which we changed beginning in the third quarter of 2022 in order to more accurately reflect management’s view of our products. Total Products for all prior periods have been recast to present the updated definition of Total Products.
Total Originations: Defined as the dollar volume of the secured personal loans originated and Instacash advances funded within the stated period. All originations were originated directly by MoneyLion.
Enterprise Partners: Composed of Product Partners and Channel Partners. Product Partners are the providers of the financial and non-financial products and services that we offer in our marketplaces, including financial institutions, financial service providers and other affiliate partners. Channel Partners are organizations that allow us to reach a wide base of consumers, including but not limited to news sites, content publishers, product comparison sites and financial institutions.
| MONEYLION INC. | |||||||||||
| CONSOLIDATED STATEMENTS OF OPERATIONS | |||||||||||
| (dollar amounts in thousands, except per share amounts) | |||||||||||
| Three Months Ended June 30, | Six Months Ended June 30, | ||||||||||
2023 |
|
2022 |
|
2023 |
|
2022 |
|||||
| Revenue | |||||||||||
| Service and subscription revenue | $ |
103,237 |
$ |
84,823 |
$ |
193,978 |
$ |
151,969 |
|||
| Net interest income on loan receivables |
|
3,304 |
|
2,517 |
|
6,232 |
|
5,085 |
|||
| Total revenue, net |
|
106,541 |
|
87,340 |
|
200,210 |
|
157,054 |
|||
| Operating expenses | |||||||||||
| Provision for credit losses on consumer receivables |
|
25,562 |
|
26,981 |
|
42,073 |
|
50,025 |
|||
| Compensation and benefits |
|
22,572 |
|
26,498 |
|
46,980 |
|
48,541 |
|||
| Marketing |
|
6,549 |
|
9,477 |
|
12,941 |
|
20,893 |
|||
| Direct costs |
|
32,230 |
|
29,386 |
|
62,032 |
|
50,590 |
|||
| Professional services |
|
4,518 |
|
6,652 |
|
9,517 |
|
13,940 |
|||
| Technology-related costs |
|
5,611 |
|
5,409 |
|
11,649 |
|
9,914 |
|||
| Other operating expenses |
|
11,219 |
|
9,842 |
|
20,214 |
|
20,611 |
|||
| Total operating expenses |
|
108,261 |
|
114,245 |
|
205,406 |
|
214,514 |
|||
| Net loss before other (expense) income and income taxes |
|
(1,720) |
|
(26,905) |
|
(5,196) |
|
(57,460) |
|||
| Interest expense |
|
(7,330) |
|
(7,584) |
|
(14,841) |
|
(13,758) |
|||
| Change in fair value of warrant liability |
|
162 |
|
2,951 |
|
13 |
|
6,861 |
|||
| Change in fair value of contingent consideration from mergers and acquisitions |
|
6,367 |
|
8,480 |
|
6,613 |
|
3,820 |
|||
| Goodwill impairment loss |
|
(26,721) |
|
— |
|
(26,721) |
|
— |
|||
| Other income (expense) |
|
1,257 |
|
9 |
|
2,906 |
|
(907) |
|||
| Net loss before income taxes |
|
(27,985) |
|
(23,049) |
|
(37,226) |
|
(61,444) |
|||
| Income tax (benefit) expense |
|
(262) |
|
16 |
|
(286) |
|
(28,401) |
|||
| Net loss |
|
(27,723) |
|
(23,065) |
|
(36,940) |
|
(33,043) |
|||
| Reversal of previously accrued / (accrued) dividends on preferred stock |
|
2,667 |
|
(2,176) |
|
690 |
|
(3,204) |
|||
| Net loss attributable to common shareholders | $ |
(25,056) |
$ |
(25,241) |
$ |
(36,250) |
$ |
(36,247) |
|||
| Net loss per share, basic and diluted | $ |
(2.71) |
$ |
(3.20) |
$ |
(4.05) |
$ |
(4.66) |
|||
| Weighted average shares used in computing net loss per share, basic and diluted |
|
9,234,238 |
|
7,877,106 |
|
8,944,836 |
|
7,784,688 |
|||
| MONEYLION INC. | ||||||
| CONSOLIDATED BALANCE SHEETS | ||||||
| (dollar amounts in thousands, except per share amounts) | ||||||
| June 30, | December 31, | |||||
2023 |
2022 |
|||||
| Assets | ||||||
| Cash | $ |
96,739 |
$ |
115,864 |
||
| Restricted cash, including amounts held by variable interest entities (VIEs) of |
|
5,435 |
|
37,845 |
||
| Consumer receivables |
|
188,370 |
|
169,976 |
||
| Allowance for credit losses on consumer receivables |
|
(31,755) |
|
(24,841) |
||
| Consumer receivables, net, including amounts held by VIEs of |
|
156,615 |
|
145,135 |
||
| Enterprise receivables, net |
|
21,253 |
|
19,017 |
||
| Property and equipment, net |
|
2,348 |
|
2,976 |
||
| Intangible assets, net |
|
185,253 |
|
194,247 |
||
| Goodwill |
|
— |
|
26,600 |
||
| Other assets |
|
50,297 |
|
54,658 |
||
| Total assets | $ |
517,940 |
$ |
596,342 |
||
| Liabilities, Redeemable Convertible Preferred Stock and Stockholders' Equity | ||||||
| Liabilities: | ||||||
| Secured loans, net | $ |
84,141 |
$ |
88,617 |
||
| Accounts payable and accrued liabilities |
|
42,810 |
|
58,129 |
||
| Warrant liability |
|
324 |
|
337 |
||
| Other debt, net, including amounts held by VIEs of |
|
119,906 |
|
143,394 |
||
| Other liabilities |
|
17,094 |
|
33,496 |
||
| Total liabilities |
|
264,275 |
|
323,973 |
||
| Commitments and contingencies | ||||||
| Redeemable convertible preferred stock (Series A), |
|
— |
|
173,208 |
||
| Stockholders' equity: | ||||||
| Class A Common Stock, |
|
1 |
|
1 |
||
| Additional paid-in capital |
|
957,778 |
|
766,839 |
||
| Accumulated deficit |
|
(694,414) |
|
(657,979) |
||
| Treasury stock at cost, 32,333 shares at June 30, 2023 and December 31, 2022 |
|
(9,700) |
|
(9,700) |
||
| Total stockholders' equity |
|
253,665 |
|
99,161 |
||
| Total liabilities, redeemable convertible preferred stock and stockholders' equity | $ |
517,940 |
$ |
596,342 |
||
| MONEYLION INC. | |||||||||||
| CONSOLIDATED STATEMENTS OF CASH FLOWS | |||||||||||
| (dollar amounts in thousands) | |||||||||||
| Three Months Ended June 30, | Six Months Ended June 30, | ||||||||||
2023 |
|
2022 |
|
2023 |
|
2022 |
|||||
| Cash flows from operating activities: | |||||||||||
| Net loss | $ |
(27,723) |
$ |
(23,065) |
$ |
(36,940) |
$ |
(33,043) |
|||
| Adjustments to reconcile net loss to net cash (used in) provided by operating activities: | |||||||||||
| Provision for losses on receivables |
|
25,562 |
|
26,981 |
|
42,073 |
|
50,025 |
|||
| Depreciation and amortization expense |
|
6,113 |
|
6,006 |
|
12,297 |
|
9,427 |
|||
| Change in deferred fees and costs, net |
|
782 |
|
446 |
|
1,398 |
|
705 |
|||
| Change in fair value of warrants |
|
(162) |
|
(2,951) |
|
(13) |
|
(6,861) |
|||
| Change in fair value of contingent consideration from mergers and acquisitions |
|
(6,367) |
|
(8,480) |
|
(6,613) |
|
(3,820) |
|||
| Gains on foreign currency translation |
|
(171) |
|
(87) |
|
(178) |
|
(58) |
|||
| Expenses related to debt modification and prepayments |
|
— |
|
— |
|
— |
|
730 |
|||
| Goodwill impairment loss |
|
26,721 |
|
— |
|
26,721 |
|
— |
|||
| Stock compensation expense |
|
5,250 |
|
5,248 |
|
10,955 |
|
8,516 |
|||
| Deferred income taxes |
|
(400) |
|
— |
|
(493) |
|
(28,442) |
|||
| Changes in assets and liabilities, net of effects of business combination: | |||||||||||
| Accrued interest receivable |
|
(211) |
|
3 |
|
(238) |
|
(31) |
|||
| Enterprise receivables, net |
|
1,708 |
|
(3,310) |
|
(2,422) |
|
(1,652) |
|||
| Other assets |
|
5,610 |
|
(3,686) |
|
4,360 |
|
(3,020) |
|||
| Accounts payable and accrued liabilities |
|
1,156 |
|
3,193 |
|
(8,649) |
|
843 |
|||
| Other liabilities |
|
(2,505) |
|
(1,157) |
|
(4,215) |
|
(2,829) |
|||
| Net cash provided by (used in) operating activities |
|
35,363 |
|
(859) |
|
38,043 |
|
(9,510) |
|||
| Cash flows from investing activities: | |||||||||||
| Net originations and collections of finance receivables |
|
(33,185) |
|
(29,075) |
|
(52,832) |
|
(51,947) |
|||
| Purchase of property and equipment and software development |
|
(1,638) |
|
(2,189) |
|
(2,675) |
|
(3,012) |
|||
| Acquisition of Engine, net of cash acquired |
|
— |
|
— |
|
— |
|
(18,584) |
|||
| Settlement of contingent consideration related to mergers and acquisitions |
|
(766) |
|
— |
|
(1,116) |
|
— |
|||
| Net cash used in investing activities |
|
(35,589) |
|
(31,264) |
|
(56,623) |
|
(73,543) |
|||
| Cash flows from financing activities: | |||||||||||
| Repayments to secured/senior lenders |
|
(5,000) |
|
— |
|
(5,000) |
|
(24,028) |
|||
| Fees related to debt prepayment |
|
— |
|
— |
|
— |
|
(375) |
|||
| Net (repayments to) proceeds from special purpose vehicle credit facilities |
|
— |
|
— |
|
(24,000) |
|
10,000 |
|||
| Borrowings from secured lenders |
|
— |
|
— |
|
— |
|
69,300 |
|||
| Payment of deferred financing costs |
|
(154) |
|
— |
|
(154) |
|
(1,625) |
|||
| Payments related to the automatic conversion of redeemable convertible preferred stock (Series A) in lieu of fractional shares of common stock and dividends on preferred stock |
|
(3,007) |
|
— |
|
(3,007) |
|
— |
|||
| (Payments) proceeds related to issuance of common stock related to exercise of stock options and warrants, net of tax withholdings related to vesting of stock-based compensation |
|
(183) |
|
356 |
|
(782) |
|
777 |
|||
| Other |
|
(12) |
|
— |
|
(12) |
|
— |
|||
| Net cash (used in) provided by financing activities |
|
(8,356) |
|
356 |
|
(32,955) |
|
54,049 |
|||
| Net change in cash and restricted cash |
|
(8,582) |
|
(31,767) |
|
(51,535) |
|
(29,004) |
|||
| Cash and restricted cash, beginning of period |
|
110,756 |
|
248,987 |
|
153,709 |
|
246,224 |
|||
| Cash and restricted cash, end of period | $ |
102,174 |
$ |
217,220 |
$ |
102,174 |
$ |
217,220 |
|||
| MONEYLION INC. | ||||||||||||
| RECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA | ||||||||||||
| (dollar amounts in thousands) | ||||||||||||
| Three Months Ended June 30, | Six Months Ended June 30, | |||||||||||
2023 |
|
2022 |
|
2023 |
|
2022 |
||||||
| Net loss | $ |
(27,723) |
$ |
(23,065) |
$ |
(36,940) |
$ |
(33,043) |
||||
| Add back: | ||||||||||||
| Interest related to corporate debt |
|
3,475 |
|
2,653 |
|
7,035 |
|
4,040 |
||||
| Income tax (benefit) expense |
|
(262) |
|
16 |
|
(286) |
|
(28,401) |
||||
| Depreciation and amortization expense |
|
6,113 |
|
6,006 |
|
12,297 |
|
9,427 |
||||
| Changes in fair value of warrant liability |
|
(162) |
|
(2,951) |
|
(13) |
|
(6,861) |
||||
| Change in fair value of contingent consideration from mergers and acquisitions |
|
(6,367) |
|
(8,480) |
|
(6,613) |
|
(3,820) |
||||
| Goodwill impairment loss |
|
26,721 |
|
- |
|
26,721 |
|
- |
||||
| Stock-based compensation expense |
|
5,250 |
|
5,248 |
|
10,955 |
|
8,516 |
||||
| One-time expenses |
|
2,188 |
|
2,042 |
|
3,373 |
|
6,819 |
||||
| Adjusted EBITDA | $ |
9,233 |
$ |
(18,531) |
$ |
16,529 |
$ |
(43,322) |
||||
View source version on businesswire.com: https://www.businesswire.com/news/home/20230807210239/en/
MoneyLion Investor Relations
ir@moneylion.com
MoneyLion Communications
pr@moneylion.com
Source: MoneyLion Inc.
