Podcasts about Nubank

João Arthur Brunet Monteiro é Professor Associado do Departamento de Sistemas e Computação da Universidade Federal de Campina Grande (UFCG), doutor em Ciência da Computação, com estágio sanduíche na University of British Columbia e passagem pela Microsoft Research. Atua em Engenharia de Software Experimental, com foco no uso de inteligência artificial e modelos de linguagem para apoiar atividades de desenvolvimento, testes, manutenção e análise do comportamento de desenvolvedores. Possui mais de dez anos de experiência na coordenação e liderança técnica de projetos de PDI em parceria com empresas e órgãos públicos como Nubank, IBM, Dell, HP e Polícia Federal, resultando em soluções efetivamente implantadas em ambientes produtivos. É coordenador do SPLab/UFCG, já exerceu a coordenação do Curso de Ciência da Computação e tem forte atuação na formação de recursos humanos e transferência de tecnologia universidade-indústria.Transmitido ao vivo no YouTube em https://youtube.com/live/I9-jRNyLudQ.Saiba mais sobre o SE4FP em https://se4fp.github.io/2026/

Conheça o APOLO, fundo de investimento em direitos creditórios do BTG Pactual Asset Management: https://emprc.us/cJhKpzFIDC parece palavrão de mercado financeiro, mas está cada vez mais no radar de investidores em busca de mais retorno na renda fixa. Com um mercado que já supera R$ 700 bilhões em patrimônio, os Fundos de Investimento em Direitos Creditórios chamam atenção por frequentemente entregarem rentabilidades acima de 100% do CDI — mas esse prêmio vem acompanhado de riscos e complexidades que nem sempre são óbvios. No episódio de hoje do Touros e Ursos, Daniel Belem, gestor de fundos estruturados de crédito da BTG Pactual Asset Management, explica: - o que são os FIDCs; - como eles funcionam na prática; - a diferença em relação a fundos de crédito privado tradicionais; - para que tipo de investidor eles fazem sentido; - onde estão os principais riscos; e - o que esperar desse mercado em um cenário de juros ainda elevados. Entre os Touros e Ursos da semana, o alerta das taxas do Tesouro IPCA+, o erro bizarro do Nubank e o avanço do acordo de paz entre EUA e Irã. Em tempo de Copa do Mundo, o quadro especial traz os destaques e as apostas para o Mundial, incluindo a seleção brasileira, a Argentina e o goleiro Vozinha, de Cabo Verde.

Au Web Summit Rio 2026, j'ai rencontré des représentants de la French Tech brésilienne. Gabriela Alcantara de Barros décrit un écosystème tech en pleine accélération, porté par les fintechs, WhatsApp Business et le succès du système de paiement Pix.

Nubank nega fim de atividades após enviar mensagem a clientes sobre liquidação extrajudicial. E Justiça italiana diz que STF não foi imparcial em julgamento de Carla Zambelli.See omnystudio.com/listener for privacy information.

Você sente que está abaixo do seu próprio potencial e não sabe como sair desse lugar? VNeste episódio do CVFI, Caio Carneiro recebe Marcelo Toledo para explicar como parar de ser medíocre, com base em neurociência, formação de hábito e a história real dos 600 dias na banheira de gelo.☕ *Caffeine Army e Como Você Fez Isso?*- Cupom de desconto: COMOVOCEFEZISSO- https://www.caffeinearmy.com.br/comovocefezisso

Chamei a Mari Tozzini para um desabafo sem filtro sobre o que mais irrita quem vive de marca: cliente que quer ser o Nubank com orçamento de R$5, a togurização do marketing brasileiro, a obsessão por métricas que não constroem nada e a falta de coragem que deixa toda marca igual.A gente fala de branding, posicionamento e comunicação, e do abismo entre querer inovar e bancar a inovação. Se você trabalha com marca, esse aqui é o abraço na alma de quem passa por isso todo dia.Neste episódio:- Por que querer ser marca de referência sem investir é a maior ilusão do mercado- Togurização: por que o Brasil age como se só existisse um influenciador- Views, micrométricas e o monstro que o marketing digital criou- Coragem como o que separa marca memorável de marca esquecível- "Meu marido não gostou": quando o gosto pessoal decide mais que o brand book- Centrados no consumidor ou centrados na própria carreira?Faça parte do BDP Imersão São Paulo powered by ESPM - https://bdp.galileobranding.com.brQuer construir uma marca com posicionamento claro e diferenciação de verdade? Peça o seu orçamento na Galileo Branding: https://www.galileobranding.com.brMe siga no Instagram: https://www.instagram.com/galileunogueiraSiga a Mari Tozzini: https://www.instagram.com/matozzini

EPISODE DESCRIPTION I sat down with Lux, Chief Commercial Officer at OpenPayd, and this conversation genuinely surprised me. Lux started out as an FX trader at JP Morgan , the guy who once typed 'Bitcoin is a Ponzi scheme' into a Bloomberg chat , and now he's helping build one of the most quietly impressive fintech infrastructure companies out there. We got into how OpenPayd has grown to over 1,200 institutional clients, processed over $200 billion in volume annually, stayed cash flow positive for five years, and never taken a single round of funding. We talked about why financial institutions are now OpenPayd's fastest growing vertical, what the stablecoin sandwich actually means for cross-border payments, and whether crypto is really dead or just maturing. Lux also shared his contrarian take on why the era of 150% Ethereum weeks is probably behind us , and why that's actually a good sign. If you're in fintech, payments, or crypto infrastructure, this one is worth your time. DISCLAIMERNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend. Be a guest on the podcast or contact us - https://www.web3pod.xyz/ CONNECT OpenPayd Website: https://www.openpayd.com/OpenPayd LinkedIn: https://www.linkedin.com/company/openpayd/Web3 with Sam Kamani: https://www.web3pod.xyz/ KEY POINTS WITH TIMESTAMPS • [00:06] Sam introduces Lux from OpenPayd , a bootstrapped fintech with 200+ employees and $200B+ annual volume• [01:30] Lux's origin story: FX trader at JP Morgan who called Bitcoin a Ponzi scheme in 2009, then missed it, then got into Ethereum• [03:20] How joining a payments firm opened Lux's eyes to the real problem crypto companies face with banking access• [05:09] The divergence between crypto and stablecoins , and why stablecoin market cap is no longer correlated to Bitcoin price• [06:06] What OpenPayd is built on: providing financial infrastructure to underserved industries and incorporating blockchain into payments rails• [09:35] The Innovator's Dilemma in banking , why incumbents like HSBC still charge 1.7% on FX when the actual spread is near zero• [11:00] How Revolut and Nubank disrupted banking without reinventing the wheel , and what that means for crypto adoption by banks• [13:18] How OpenPayd differentiates: speed, product, tech, licensing, and becoming a one-stop-shop across fiat and blockchain rails• [18:03] The biggest trend at OpenPayd: financial institutions have become the number one vertical in under 15 months, driven by stablecoin adoption• [20:50] Running a bootstrapped company: the nice headache of keeping up with growth while staying compliant across 1,300+ institutional clients• [22:19] Lux's contrarian take: crypto isn't dead , the market has just matured because institutional money behaves differently than retail• [27:19] Why AI investment and geopolitical uncertainty have pulled capital away from crypto , and why that rotation will eventually reverse• [31:05] Lux's biggest challenge as CCO: reducing churn, staying relevant, and keeping one eye on short-term revenue and one on scalable growth• [32:49] OpenPayd's 2-3 year roadmap: US expansion later this year, then Latam and Asia , building both sides of the stablecoin sandwich• [34:41] On fundraising: profitable for five years, no need to raise, but never ruling it out

En este episodio hablamos de los eventos más relevantes relacionados a los mercados financieros de Estados Unidos durante la semana laboral que terminó el viernes 5 de junio de 2026.En la empresa de la semana hablamos de Nu Holdings $NU (08:11)Y en la sección educativa hablamos de Fintechs (12:42)Les dejo la liga a nuestro canal de youtube donde podrán encontrar los audiogramas y videos educativos: https://www.youtube.com/channel/UC6thsV8Y_m2DgYPOqjLVfSQY también dejo la liga del blog donde estaremos subiendo las transcripciones de los episodios: www.ramonlog.com

Bom dia! ☕Confira as ofertas da Magalu aqui.Faça sua simulação com a Ademicon aqui.No episódio de hoje:

iFood confirma vazamento de dados de 1,2 milhão de clientes, mas incidente pode ser ainda maior. Todos os jogos anunciados e trailers do State of Play! Confira resumo do evento. OVNI no Paraná: ABIN e FAB se manifestam sobre suposto avistamento no Brasil. ET de Varginha foi levado aos EUA, afirma Steven Spielberg, diretor de Dia D. Nubank lança ferramenta para monitorar CPF e negociar dívidas pelo app. Meta lança Business Agent, IA que atende clientes 24 horas no WhatsApp e Instagram. iOS 27, nova Siri com IA: o que esperar da Apple WWDC 2026 e onde assistir?

Anthropic se adelanta a Open AI y presenta su solicitud para debutar en bolsa, el Gobierno de México busca un acuerdo para bajar el precio del jitomate, Panamá quiere combatir a las empresas fachada, cambios en los organigramas de Nubank y Banorte, y los movimientos de Nvidia y McDonald's frente a la competenciaPatrocinado | Aeroméxico, la aerolínea más puntual del mundo por segundo año consecutivo. Conoce más aquí.

AI agents are appearing across every enterprise platform, but most still struggle to move beyond scripted automation into systems that can reason, adapt, and operate within real workflows.On this episode of Ctrl + Alt + AI, Dimitri Sirota,  speaks with Matt Swann, former CTO at Nubank and Booking.com, and a seasoned technology leader. Matt shares his insights on the shift from traditional AI to agentic AI, where AI systems act as autonomous team members rather than simple assistants.They explore practical strategies for implementing agentic AI across engineering, marketing, and sales, discuss approaches to governance and data protection, and reveal how leaders can balance innovation with enterprise risk. Matt offers guidance for companies navigating the rapidly evolving AI landscape, ensuring teams can adopt agentic technology safely and efficiently.What to expect:How agentic AI can act as a team member rather than a tool, enhancing productivity while requiring careful governance and oversightWhy preparing data, controlling access, and implementing robust monitoring are essential to reduce AI risk and maintain trust in enterprise environmentsHow leaders can create flexible strategies that allow adaptation to evolving AI models and infrastructure while balancing cost, security, and operational impactThings to listen for: (00:00) Meet Justin Heller(02:49) Evolution from LLMs to agentic AI(03:40) How early-stage vs. large enterprises adopt AI differently(05:00) Agents as staff augmentation(06:46) Managing multiple AI models and vendor choices(10:18) Use cases: sales, marketing, engineering, and commercial operations(13:03) Key considerations for implementing agentic AI safely(15:28) Governance across people, process, and technology(16:47) Addressing token spend and proactive AI cost management(19:01) Cutting through AI security noise using frameworks(22:00) Integrating humans and agents in security and operations(24:35) Looking ahead: the future of agentic AI

Smart Fit expõe dados de clientes após sistema de catraca inteligente ser vazado.Google permitirá a troca de endereço do Gmail; entenda o que muda. Disney+ amplia lista de benefícios para assinantes; confira novidades. Nubank ganha jogos que dão cupons e descontos na Shopee, Uber e Samsung. Streamer é suspensa da Twitch após jogar Dark Souls usando os pés em live. Zuckerberg e Priscilla Chan lançam IA para acelerar descoberta de medicamentos. CD Projekt Red revela Songs of the Past, nova expansão de The Witcher 3: Wild Hunt. Google inaugura centro de engenharia na USP com foco em privacidade, segurança e IA.

Nubank e Inter são condenados após falha em golpe com Pix de R$ 51 mil em SP. Como criminosos clonam contas WhatsApp de iPhone sem precisar de senhas. iPhone 20 teve conceito vazado com tela infinita e módulos de câmeras polêmico. O script criminoso do 'Hacker Fantasma' preso no Brasil. ChatGPT, Gemini, Claude ou Copilot: qual IA grátis é melhor? Homem é preso por dirigir Cybertruck dentro de lago para testar "Wade Mode". Windows 11 testa recursos para reduzir fadiga visual e isolar vozes. Rumble e Trump Media notificam ministro Alexandre de Moraes por e-mail.

In this episode, Lex chats with Mike Milotich — Chief Executive Officer of Marqeta, the modern card issuing platform that processed nearly $400 billion in payments volume in 2025, and is certified to operate in 40+ countries, growing over 30% for the third straight year. They discuss how Marqeta's separation of bank, processor, and brand armed fintech's largest winners across buy now pay later, on-demand delivery, neo-banking, and expense management with the Lego blocks to build their own card programs.  Mike explains how the company's growth is shifting from enabling new use cases to displacing volume on legacy bank platforms, and they explore why card issuing is going multinational, what the agentic commerce wave actually requires to clear security and behavioural hurdles, and how Marqeta's continued growth runs through embedded finance, real-time personalisation, and the forced modernisation of the banks themselves. NOTABLE DISCUSSION POINTS: The BNPL business model is flipping from merchant rails to consumer cards. Marqeta originally solved the merchant scale problem for buy now pay later via virtual cards, removing the need for tens of millions of merchants to integrate a new button at checkout. The current shift is more important: BNPL players are now issuing consumers their own physical and virtual cards usable anywhere cards are accepted, turning BNPL from a merchant-acceptance game into a direct consumer value proposition. BNPL volume has grown over 50% year-on-year for Marqeta in recent quarters. Card issuing is going multinational, and that breaks the legacy bank model. Banks have always been local on the consumer side, with only a handful multinational on the commercial treasury side. The next generation of card issuers, neo-banks like Revolut and Nubank, plus large global platforms embedding financial products into existing user bases, are global by default. A single platform that issues cards, and is certified to operate across 40+ countries, becomes the strategic moat, and legacy processors built to serve domestic bank programs aren't structured to compete. The growth story is moving from expanding the pie to displacing the incumbents. To date, Marqeta has mostly powered new card use cases that didn't exist before — on-demand delivery, BNPL, neo-banking, expense management. Mike's forward thesis is a phase change: pressure from fintech winners is forcing banks to modernise, and the next leg of growth comes from displacing volume sitting on legacy bank-controlled platforms. Real-time personalised rewards, where the same card delivers different offers to different cardholders based on live data, is the wedge that legacy infrastructure can't deliver. TOPICS Marqeta, Visa, Mastercard, American Express, PayPal, Payments, card issuing, embedded finance, fintech, BNPL, neobank, agentic commerce, e-commerce, crypto, stablecoins, programmable money, machine economy, agentic AI   ABOUT THE FINTECH BLUEPRINT

David Velez, CEO de Nubank by Diario La república

A MAGIA DO CAOS ESTÁ NAS OPORTUNIDADES QUE QUASE NINGUÉM CONSEGUE ENXERGARNeste episódio do Stock Pickers, Gabriel Raoni analisa como o aumento do endividamento das famílias, a transformação trazida pela inteligência artificial e as mudanças no ciclo de crédito estão criando oportunidades — e riscos — para investidores.Ao longo da conversa, o gestor passa pelo olhar do investidor estrangeiro sobre o Brasil durante a Brazil Week, discute o setor bancário com nomes como Itaú, Nubank, XP e Mercado Livre e explica por que a revolução da IA ainda está só no começo.Além disso, Raoni debate o papel de gigantes como Microsoft, Google e ChatGPT na nova corrida tecnológica e como identificar valor no meio da turbulência dos mercados.

Is your bank being unbundled without realizing it? Most banking leaders are still watching the obvious disruptors. But the bigger threat may be happening behind the scenes, as software platforms, embedded finance, and agentic AI begin to reshape how financial services are delivered and who owns the customer relationship. In this episode, Rex Salisbury, founder of Cambrian, joins me to discuss what these shifts mean for traditional banking, why legacy moats are weakening, how seriously bankers should take Nubank's long-term U.S. potential, and what leaders need to do now to stay relevant. In this episode: • Why financial risk often shows up in strategy long before it shows up in earnings • What Nubank's model signals for the future of competition in banking • Why banks need to think beyond products and toward platforms, ecosystems, and execution #BankingTransformed #Fintech #RetailBanking #DigitalTransformation #AgenticAI #EmbeddedFinance #Nubank #BankStrategy #FutureOfBanking #Cambrian #RexSalisbury

Paulo Passoni, Managing Partner at Valor Capital, and Olga Maslikhova break down the two forces reshaping tech and capital markets right now — the end of 40 years of global integration as the US-China tech split hardens, and the collapse of the services moat as AI lets companies scale from $0 to $100M in revenue in 24 months by replacing labor. This is the May 2026 edition of TJC Debrief — a monthly show covering tech, venture, and capital markets through a global lens.We cover why China blocked Meta's $2 billion Manus acquisition and what the new US-led versus China-led ecosystem split means for global M&A, how SoftBank's blocked Arm-NVIDIA sale cost half a trillion dollars in value creation and why deals like it will keep happening, Anthropic's $50B round closing in 48 hours with secondary markets pricing ahead of the primary and what it reveals about AI's escape velocity, why Anthropic and OpenAI are forming joint ventures with Blackstone, TPG, Apollo, Sequoia, General Atlantic, and GIC to lock in compute capacity and guaranteed revenue, Plata's $5B round and why Qatar Investment Authority, US endowments, and long-only funds piled in alongside Valor Capital — and what mispriced Russian and Eastern European talent has to do with it, why data is becoming the last real moat and how Nubank, Revolut, CloudWalk, Mercado Libre, and JPMorgan are racing to train proprietary models on their own customer data, the radiologist paradox and what it predicts for tax accountants, lawyers, and every services job AI is supposed to kill, the legal AI startup Enter and the wild story of prompt injections hidden in PDFs filed to courts, why humanoid robots at $600/month today and $100/month in ten years will reshape global labor markets, Elon Musk and SpaceX as the "build potential, then monetize" playbook, and the $0 to $100M in 24 months phenomenon — why early movers in vertical AI are already hitting this scale and where the next opportunities will emerge across legal, wealth management, healthcare, and security.Subscribe to The J Curve Insider newsletter for deeper insights and follow Olga on LinkedIn and Instagram.

No dia 6 de maio, a ABBC promoveu um importante debate com especialistas do Banco Mercantil e do Banco Bari sobre Pix e Prevenção a Fraudes.Rafaela Nogueira, Coordenadora da Comissão de Meios e Arranjos de Pagamentos da ABBC e Public Policy Senior no Nubank, conversou sobre os impactos das mudanças regulatórias, a agenda de supervisão e os caminhos para fortalecer a segurança no ecossistema de pagamentos com os convidados:Livia Carolina Silva, gerente de Prevenção a Fraude e Open Finance do Banco MercantilMarcelo Alves de Souza, coordenador da Comissão de Prevenção a Fraudes da ABBC e Gerente de Prevenção a Fraudes e PLDFT do Banco Bari.Confira agora a gravação completa!

No episódio de hoje, mergulhamos nas estratégias de branded content e parcerias globais que estão dominando o mercado. Confira os destaques:

.Você tem muita vontade de vencer, mas os resultados não aparecem? Ou tem muito talento, mas falta energia para agir? Neste episódio do "Entra Pra Rachar", Caio Carneiro revela por que a vontade é apenas a metade do caminho!

Your bank might be winning the battle for the transaction. It is losing the attention war for the customer. Live from Fintech Meetup in Las Vegas, host Jim Marous is joined by Alex Johnson (Fintech Takes) and Mary Wisniewski (Cornerstone) to unpack the most critical shift in retail banking today: the move from a utility-based model to an attention-based economy. Traditional institutions are relying on customer inertia. Fintech leaders like NuBank are hiring out of TikTok to capture daily engagement. This episode explores how banks can fight back by using their data and modern infrastructure to become an indispensable part of a customer's daily routine. In this episode, we dive into: • The Attention Economy: Why dollars now follow attention, and how banks are failing to compete for daily active users. • The NuBank Playbook: What a TikTok executive hire signals about the next generation of bank growth strategy. • Overcoming Complacency: Shifting from a legacy mindset to the hunt-and-kill urgency found in the top fintechs. • Infrastructure Upgrades: How FedNow, open banking, and AI are finally making real-time, personalized experiences possible. • Agentic AI: The rise of personal finance agents and why the industry must experiment with these tools today. • The Monday Morning Test: Why the executives who put in the reps on these tools now will be the ones still relevant in five years. As Alex Johnson put it on the show: "If you don't have a strategy to acquire and retain your customers' attention, you cannot count on inertia to keep them with you". #Fintech #DigitalBanking #AttentionEconomy #BankingTransformed #AIinBanking

Nigel Morris is a renowned British businessman and pioneering fintech investor, best known as the co-founder and managing partner of QED Investors, a leading venture capital firm focused on financial technology. He is also widely recognised for co-founding Capital One in 1994, where as President and Chief Operating Officer he helped revolutionise consumer lending through the innovative use of data and analytics. Under his leadership at QED Investors, Nigel has backed some of the world's most successful fintech companies, including Credit Karma, Nubank, Klarna and Remitly, helping to shape the modern global financial services landscape. Educated at London Business School with an MBA, he combines rigorous analytical thinking with a deep understanding of customer behaviour and business culture. On this episode of Inspiring Leadership, Nigel reflects on the lessons from building Capital One, his transition into venture capital, and what it takes to identify and scale category‑defining businesses. He also shares his philosophy on leadership, integrity and decision‑making in high‑growth environments, offering rich insights for CEOs, founders and senior leaders navigating rapid change. Hosted on Acast. See acast.com/privacy for more information.

Muy buenos días, la “recesión” está de vuelta en el vocabulario de los pronosticadores de la economía, no como un hecho, pero sí como una posibilidad. La volatilidad y la guerra disparan los ingresos de los bancos de Wall Street. Sucesión en la Fed: se acerca una audiencia para Kevin Warsh, el posible sustituto de Powell, hoy hay encuesta y es entre Plata y Nubank. También hablamos sobre el enojo Trump y Vance con el Papa. 

Paulo Passoni, Managing Partner at Valor Capital, and Olga Maslikhova break down Claude 4.6, Brex's $5.15B sale to Capital One, and why only 4 US companies can IPO right now. This is the April 2026 edition of TJC Debrief — a monthly show covering tech, venture, and capital markets for Latin American founders and investors.We cover why Claude 4.6 was a bigger “aha moment” than the original ChatGPT for building companies and how it's rewiring CTO roles, org design, and the question of what a moat even is anymore, how Nubank, Revolut, Tether, and Plata are reshaping consumer finance and why Paulo thinks regional US banks are an “aberration” that shouldn't legally exist, the Brex x Capital One deal, Ramp's software multiple, and what the prof stack saving late-stage LPs means for every fintech exit going forward, Brazil's IPO window cracking open and Mexico's sudden flood of Sequoia, Founders Fund, and a16z capital, why Paulo thinks many employees are already “worse than AI” and why every salary should now come with a token budget, how he built a working marketplace in three hours on Perplexity Comet without writing a line of code, and the coming collapse of low-ROI universities and what it means for talent in LATAM.Subscribe to The J Curve Insider newsletter for deeper insights and follow Olga on LinkedIn and Instagram.

Episódio especialmente dedicado a falar do derbi, mas também comento sobre punição pra Abel, Nubank chegando e alguns fatores financeiros sobre o Palmeiras.

HEADLINES:• Oil Prices Plunge After Trump Announces Two-Week Iran Ceasefire Deal• BlackRock and State Street Stay Bullish on Abu Dhabi Despite Tensions• HH Sheikh Khaled Meets Nubank CEO as Digital Bank Expands into Abu DhabiNewsletter: https://aug.us/4jqModrWhatsApp: https://aug.us/40FdYLUInstagram: https://aug.us/4ihltzQTiktok: https://aug.us/4lnV0D8Smashi Business Show (Mon-Friday): https://aug.us/3BTU2MY

انخفاض النفط - أبوظبي - توسع Nubank

Gabriel Barreto é ex-militar, ex-executivo da Meta e do Nubank , e hoje lidera a Apex Performance com um objetivo brutal: democratizar a alta performance. Ele descobriu na própria pele que a vida artificial e corporativa moderna está destruindo nossa fisiologia em silêncio.Neste episódio, ele revela os segredos de bastidores para sair do que ele chama de "estado semibom" — a ilusão de que sua falta de energia é normal. Você vai entender como o vício em respirar pela boca está te mantendo em um estado de estresse crônico e como o jejum, a exposição ao gelo e o bloqueio da luz artificial podem reescrever sua estrutura cerebral, curando a insônia e transformando sua disciplina.Disponível no Youtube:Link: https://youtu.be/18x0wm5NTgcPatrocinador:Espaço Volpi - Saúde, bem-estar e superação Mencione o Excepcionais para ter uma condição especial. https://bit.ly/excepcionais-espacovolpi00:00:00 - A ilusão do "Estado Semibom"00:02:38 - O veneno invisível: Luzes artificiais e telas00:10:45 - O verdadeiro impacto da banheira de gelo00:41:29 - Você respira errado: O perigo da respiração bucal00:57:58 - O que acontece quando você corta o glúten por 15 dias01:01:14 - A verdade sobre o Jejum de 5 Dias01:22:28 - A importância da beleza e o colapso da sociedade moderna01:32:57 - Como se desvencilhar da manada e da solidão da alta performanceSiga o Gabriel no Instagram:⁠https://www.instagram.com/gabriel.barretoinf/Nos Siga:Marcelo Toledo: ⁠https://www.instagram.com/marcelotoledoInstagram: ⁠https://www.instagram.com/excepcionaispodcastTikTok: ⁠https://www.tiktok.com/@excepcionaispodcast

Vazamento do Claude Code é usado para espalhar versão modificada com vírus. Sem 4G: como a Artemis II transmite vídeos em 4K direto da Lua? Play Store tem apps pagos de graça por tempo limitado; confira lista!Nubank agora suporta pagamentos por aproximação direto no app. iPhone Fold: imagens mostram possível design final do celular dobrável da Apple e Origin F1: empresa chinesa viraliza por robôs humanoides mulheres realistas! ‘Demissões são por baixo desempenho': cientista diz que IA não está causando desemprego.

Assista a este episódio do Genial Analisa com Pedro Menegon, economista e consultor da Menegon Capital, para entender como montar uma carteira de dividendos resiliente em 2026. O especialista debate o impacto de conflitos no Oriente Médio, as oscilações do petróleo e a volatilidade eleitoral em ativos como Petrobras e Banco do Brasil. Explore estratégias de alocação entre renda fixa e variável, além de uma análise comparativa profunda entre bancos tradicionais e o crescimento do Nubank. Menegon revela ainda suas posições pessoais em Cosan, Raízen e Romi, oferecendo insights valiosos sobre geração de renda passiva e segurança patrimonial no cenário atual.DIRETO AO PONTO:00:00:00 Abertura e cenário macroeconômico global00:04:10 Estratégia de alocação e ciclo de Petrobras00:08:45 Trilha de desenvolvimento de portfólio e exposição a negócios00:13:50 Riscos em renda fixa e a importância da gestão dinâmica00:17:50 Anomalias de mercado e análise do setor elétrico00:23:00 Comparativo Banco do Brasil versus Nubank00:27:50 Psicologia de investimentos e a máxima histórica00:32:30 Tese de recuperação do Banco do Brasil e governança00:38:25 Preferências no setor bancário e Itaú00:43:00 Cenário político brasileiro e erratismo de Trump00:48:40 Projeções de inflação IPCA e impacto nos juros00:53:30 Estrutura para viver de renda e BB Seguridade00:58:45 Fundo imobiliário como complemento de renda passiva01:03:10 Abertura de carteira: Cosan, Raízen e oportunidade em Romi01:10:40 Encerramento e canais de contato

2,5% Zinsen p.a. auf ein unbegrenztes Guthaben mit bis zu fünfmal der gesetzlichen Einlagensicherung*. Auch für Kinder. Das gibt's bei Scalable Capital. ⁠Mehr Infos hier. Nubank (WKN: A3C82G) ist knapp zehn Jahre nach der Gründung eine der fünf wertvollsten Firmen Brasiliens und eins der erfolgreichsten Finanz-Startups ever. Was hat die Bank so erfolgreich gemacht? Wie funktioniert ihr Business? Wie hoch sind die Kreditrisiken? Ist der Schritt in die USA der richtige? Und wieso ist die Bewertung so günstig? Das alles haben wir mit Timo Buss diskutiert - dem Chief Investment Officer vom Patient Capital Fonds. Hier findet ihr noch mehr Insights von Timo - auch zur Nubank. Diesen Podcast vom 04.04.2026, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung. *Veränderlicher Zins auf unbegrenztes Guthaben. Konditionen sowie Guthabenverteilung auf ⁠scalable.capital/tagesgeld⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sthefano Batista is Head of Latam at Figment, the world's largest institutional provider of staking services with $18 billion in assets staked.Recorded live at Merge Sao Paulo, Sthefano joins host Aaron Stanley to break down how Figment is building the staking market across Latin America, why major institutions like BlackRock, Nubank, and Robinhood trust Figment with their crypto yield strategies, and what makes Brazil one of the most interesting regulatory environments for staking in the world.They dig into the nuances of proof-of-stake infrastructure, how Figment protects clients from slashing risk, the difference between retail and institutional staking priorities, and what the recent VASP regulatory updates in Brazil mean for the industry.You can connect with Sthefano on Linkedin------------------------------------------------------------------Figment is the leading independent provider of staking infrastructure with $18B assets under stake and provides the complete solution for over 1000 institutional clients in Latin America and globally. Through its enterprise-grade infrastructure, Figment enables clients such as banks and exchanges, to earn rewards on Proof-of-Stake assets such as Ethereum and Solana, while maintaining the highest standards of security, compliance, and performance.Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠figment.io⁠⁠⁠⁠⁠⁠⁠⁠⁠-------------------------------------------------------------------

En este episodio final de Arquitectura de los Negocios, Susana Sáenz analiza cómo Wall Street ha leído la historia de Nubank: de su IPO a $10 dólares, su caída a $3 y su recuperación hasta $17, explicando qué hay detrás de esos movimientos junto a un analista de Citi. Más allá del precio, exploramos la guerra de tasas en México y la verdadera batalla que viene: la de la principalidad. También abordamos la creciente competencia de jugadores como Revolut y Mercado Pago y la gran incógnita: si Nubank puede replicar su modelo en mercados como Estados Unidos. Compra tu gorra o ilustraciones de Whitepaper aquí⁠Escucha nuestro newsletter diario "Whitepaper Hoy" en Spotify⁠Explora el futuro de la infraestructura financiera global en bridge.xyz

E se transações financeiras pudessem ser lidas como linguagem ?Neste episódio do podcast Data Hackers, recebemos Arissa Yoshida (Toki) e Rafael Celente, Engenheiros de Machine Learning no Nubank, para um mergulho técnico em um dos temas mais quentes da IA aplicada: o uso de Transformers para modelar hábitos financeiros em larga escala.A partir do paper “Your Spending Needs Attention: Modeling Financial Habits with Transformers”, conversamos sobre a tese por trás do nuFormer — um modelo fundacional criado para transformar sequências de transações, dados comportamentais e sinais multimodais em representações ricas que podem ser usadas em diferentes aplicações dentro do banco.Um episódio para quem curte entender como empresas de referência estão aplicando modelos fundacionais fora do óbvio — e o que isso ensina sobre o futuro da IA no mercado financeiro. Participantes: Arissa Yoshida (Toki), Engenheira de ML no NubankRafael Celente, Engenheiro de ML no NubankMonique Femme (Data Hackers)Paulo Vasconcellos (Data Hackers)Sobre o NuO Nu é uma das maiores plataformas de serviços financeiros digitais do mundo, atendendo a 131 milhões de clientes no Brasil, México e Colômbia. A empresa tem liderado uma transformação na indústria, usando dados e tecnologia proprietária para desenvolver produtos e serviços inovadores.Vagas abertas: https://sou.nu/datahackersep122Links citados no episódio:Paper: Your Spending Needs Attention: Modeling Financial Habits with TransformersCarreiras no Nubank: https://international.nubank.com.br/pt-br/carreiras/Building Nubank: https://building.nubank.com/

En este episodio de Arquitectura de los Negocios, Susana Sáenz explica a fondo cómo Nubank realmente gana dinero y por qué su modelo desafía las categorías tradicionales de la banca. A partir de datos financieros, reportes, documentos y testimonios, el capítulo desglosa las tres grandes fuentes de ingresos —intereses, comisiones y el float de depósitos—, así como su ventaja estructural basada en tecnología, costos ultra bajos y modelos avanzados de riesgo crediticio, una parte explicada por David Vélez, cofundador de la compañía. (El episodio 2 de esta serie, lo puedes encontrar en Whitepaper Access).

Nesta edição, analisamos as novas regras aprovadas pela Câmara dos Deputados para o chocolate no Brasil, que elevam os percentuais mínimos de cacau e exigem mais transparência nos rótulos — e o que isso significa para o mix da sua bomboniere nesta Páscoa. Discutimos também a ciência do unboxing e por que a embalagem do seu e-commerce pode ser mais decisiva para a fidelização do que qualquer campanha de marketing.Abordamos o paradoxo da IA no varejo: enquanto o setor acelera a adoção tecnológica, metade dos consumidores ainda resiste a interações puramente automatizadas por falta de confiança e falhas na experiência. E mostramos como a combinação da Páscoa com o St. Patrick's Day está criando uma janela dupla de oportunidades para o varejo alimentar, do setor de pescados às cervejas premium e artesanais.Entre os destaques:

CX vende mais que marketing | #podcast #empreendedorismo #podcastbrasil

A series of “extraordinary” events has made the environment more challenging for growth stocks. But “this level of trepidation can't go on forever”, says Baillie Gifford partner Stuart Dunbar in this latest episode, suggesting that patient investors will benefit when stability returns and the markets value exceptional companies at a premium again. Stuart Dunbar is a director in Baillie Gifford's Clients Department and is responsible for helping shape and communicate the firm's investment philosophy.In this conversation, he considers how a succession of disruptive events – the most recent being the current war in the Middle East – has rattled markets and led investors to focus on companies' short-term profits rather than their long-term potential.However, this period of flux will not last forever, he argues. And when we re-enter a period of stability, patience should be rewarded as markets recognise exceptional companies' future earnings potential and price them accordingly. In the meantime, Baillie Gifford's investment teams remain focused on finding and supporting businesses that will prosper from change and supporting their management to take the long view. And as Dunbar reveals, as the sources of growth broaden out, we are backing some companies that come as a surprise.  Portfolio companies discussed include:Astera Labs – the semiconductor chip designer, whose products tackle data bottlenecks in AI datacentresIREN – the datacentre operator whose clients include MicrosoftMedpace – a contract research organisation that biotech and pharmaceutical companies hire to run their clinical trialsNu Holdings – owner of the Latin American fintech NubankSpotify – the audio streaming platform that lets people listen to music, podcasts and audiobooksWillScot – North America's largest provider of temporary space rentals, leasing out modular offices, portable storage containers and classroom units  Resources:Actual investors hubActual investing revisitedBaillie Gifford podcastsPrivate growth investingThe Compound and Friends podcastThe Success Equation Companies mentioned include:AJ BellAmazonAnthropicAstera LabsByteDanceIRENMedpaceMicrosoftNu HoldingsNVIDIASpotifyWillScot Timecodes:00:00  Introduction02:00  Active v passive03:35  “Know what we own”06:15  Building relationships with company leaders07:55  Causes and effects of uncertainty11:05  Beyond the Magnificent 712:45  A period of relative stability17:50  Compressed valuations19:25  Nubank and Medpace's promise23:10  Meetings with clients25:40  Broader sources of growth28:15  Private equity growth31:25  Better-informed stock picking33:25  Staying independent and standalone35:45  “Wait until the market comes to its senses”37:10  Book choiceGlossary of terms (in order of mention):  Latent heat: energy absorbed or released during a change of state, like ice melting, without a change in temperature.Active investing: trying to beat the market by choosing investments based on research and judgement.Passive funds: investment funds that track a market index rather than picking stocks actively.Quantitative approaches: investment methods that use data, models and statistics to make decisions.Market capitalisation weights: an index method that gives bigger companies a larger influence based on their total market value.Alignment of incentives: making sure different parties are rewarded in ways that encourage the same goals.Drawdowns: significant falls in the value of an investment from a previous peak.R&D: research and development – spending on innovation and new products or technologies.Backdate options: setting share-option dates retrospectively to make them more valuable, often controversially.Shareholder registers: the official records of who owns a company's shares.Benchmark: a standard, often an index, used to compare investment performance.Magnificent 7 / Mag 7: the seven giant US tech stocks that have dominated market performance in recent years.GPU: graphics processing unit – a specialised chip often used for AI computing because it handles parallel tasks well.Sub-market multiple: a valuation lower than the market average.Strategic asset allocation: deciding how much to invest in broad asset classes like shares, bonds or private markets.Benchmark-aware: closely focused on performance relative to a benchmark index.Venture capital: investment in early-stage, high-growth private companies.Private equity buyout funds: funds that buy controlling stakes in companies, often using debt.Private equity growth: investing in more mature private companies that are expanding but not yet public.Roadshow: presentations by company leaders to investors ahead of an IPO or fundraising.Alternative asset classes: investments outside traditional shares and bonds, such as private equity or infrastructure.Path dependency: the idea that outcomes are shaped by the sequence of earlier decisions and events.  

Send a textMiguel Armaza interviews George Robson, Partner at Sequoia Capital, one of the most legendary venture firms in the world. Founded in 1972 by Don Valentine, Sequoia has backed some of the most successful tech and fintech companies in history including Nvidia, Apple, Google, Nubank, and Stripe. Sequoia-backed companies make up over 25% of the Nasdaq's market cap, and add up to $13+ trillion in market cap.George is one of 19 investing partners at Sequoia and was previously a product manager at Revolut. We discuss how Revolut built a multi-product machine by treating every team like a startup, how Sequoia uses storytelling to calibrate its investors on what generational founders look like, and why the next wave of fintech winners will be full stack companies that internalize the technology instead of selling it to incumbents.Timestamped Overview00:00 Intro & George's Background04:14 Finding My People at Revolut07:37 Building Self Sufficient Cross Functional Teams10:57 Focus on Growth and Profitability14:45 Crucial Decision and Growth17:49 High-Conviction Investment Strategy19:07 Parth's Inspiring Entrepreneurial Path23:38 Entrepreneur Growth and Resilience28:19 Storytelling Key to Early Success31:05 Effective Board Dynamics34:14 Entrepreneurs Investors and Problem Discovery36:42 Outsiders Tackling Big Markets40:21 Rewriting Business Laws of Gravity44:04 Humbling Reads and Insights46:17 Doug Leone Fierce and KindWant more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

En este primer episodio de Arquitectura de los Negocios, Susana Sáenz cuenta la historia del origen de Nubank, el banco digital que en poco más de una década logró llegar a más de 130 millones de clientes en América Latina. El episodio narra cómo su fundador, David Vélez, identificó las fallas del sistema bancario brasileño -altamente concentrado, caro y burocrático- y decidió construir un banco desde cero como si fuera una empresa de software. Para empezar, Nubank lanzó una simple tarjeta de crédito (bajo lista de espera) desde una app y empezó a ganar usuarios a gran velocidad.Prueba Whitepaper 30 días gratisCompra tu gorra o ilustraciones de Whitepaper aquí

In banking, we often talk about the "front end" customer experience or the "back end" systems of record. But according to S.P. “Wije” Wijegoonaratna, the founder of Aliya, the real revolution is happening right in the middle. From his early days in the UK to his time in the high-stakes world of New York hedge funds and his role as an early investor at SoFi, Wije has consistently found himself at the intersection of financial data and decision-making.At its core, Aliya is an operational intelligence layer that sits between a bank's customer-facing front end and its core system of record, what Wije calls "the middle." It combines transaction categorization trained on 1.5 trillion transactions from nearly 1,500 banks, dynamic risk segmentation, and real-time post-origination monitoring into a single microservices platform.In our conversation, we discuss why Aliya went after the largest banks first, how their approach to post-origination risk management drives charge-off rates as low as 2.5%, why Wije believes Nubank poses an existential threat to regional and community banks, and why he thinks the biggest opportunity in banking today lies in transforming that middle layer.In this podcast, you will learn:How meeting Mike Cagney and the founders of Palantir was the catalyst for the birth of Aliya.Why they decided to start with helping banks with lending.The two core offerings Aliya has today.Why the cumulative losses on their portfolio is far better than most lenders.How they decide when to take action on a consumer that may be having problems.Why they chose to focus on selling to the large banks first.What they are providing to the large banks exactly.Why Aliya doesn't fit into any fintech category.Where the biggest opportunity for Aliya is today.Why Wije believes Nubank is going to be successful in the US.What is next for Aliya.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

I recorded this episode live at ConsenSys in Hong Kong with Sukdeep Bhogal, Founder of Veera.We dive deep into how Veera is building a full-service Web3 neobank. Their goal is simple. Make crypto easy enough for anyone to use. Even your mom.Sukdeep shares how they raised over $10M. How they plan to onboard the next 100 million users. And why user experience matters more than flashy infrastructure.We talk about tokenized equities, gold and silver on-chain, credit scores in crypto, and why community beats paid marketing.If you are building in fintech, DeFi, or thinking about banking the unbanked, this episode is for you.Key Learnings 00:00 – Live from ConsenSys Hong Kong Why Veera is focused on banking the unbanked.The Problem with Crypto UX Why fragmented wallets, seed phrases, and complex bridges stop adoption.30-Second Onboarding How Veera simplifies account setup using passkeys.Lessons from Web2 Neobanks What projects like Revolut and Nubank got right about user experience.Tokenized Equities & Accessibility How anyone globally could buy fractional US equities on-chain.The Four Pillars of Veera Spend. Earn. Invest. Borrow.Multi-Chain Yield Vaults 40+ yield aggregators across Ethereum, Solana, Base, and BNB.Gold, Silver & US Equities On-Chain Real-world assets made accessible through tokenization.Financial Identity Score (FIS) Building credit scores for crypto users.Biggest Challenges Ahead Credibility and regulation.Go-To-Market Strategy Why community and partnerships beat marketing spend.Retention in Web3 Why rewards alone don't keep users. Experience does.What Sukdeep Would Do Differently Community first. Launch faster. Iterate sooner.Connect with Veerahttps://veera.com/https://discord.com/invite/veerahttps://x.com/On_Veera https://t.me/Veera_Browser_chathttps://www.linkedin.com/company/onveera/ DisclaimerNothing mentioned in this podcast is investment advice and please do your own research.It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Be a guest on the podcast or contact us - https://www.web3pod.xyz/

Sebastian Siemiatkowski is the co-founder and CEO of Klarna, the global digital bank with over 114 million global active users and 3.4 million transactions per day. Seb is one of the leading public company CEOs pushing the boundaries of AI.  AGENDA: 04:50 — The Real Threat to SaaS is The Switching Cost Coming Down 05:57 — What revenue multiple will software companies trade at in the future? 14:12 — Why you need to build your own customer service AI to win 23:51 — Klarna has two times the customer base of Revolut. They will beat Revolut 25:39 — How I lost a billion dollars not investing in Nubank 30:57 — Why Nubank are more likely to win the US than Revolut? 34:28 — We used to be 6,000 people. Now we are just 3,000 39:58 — When is a high valuation too high and can be dangerous? 42:45 — How we got Sequoia to invest and Michael Moritz to join the board 53:14 — If you are an investor today that is not building then you're at a fundamental disadvantage 01:11:43 — I have changed my mind on the adoption cycle... I think it will take longer than people think 20VC: Is SaaS Dead: Klarna Replaces 1,500 Internal SaaS Products | Why Systems of Record Will Die in an Agentic World | What Revenue Multiple Will Software Companies Trade At? | From 7,000 to 3,000: We Need Less People Than Ever with Sebastian Siemiatkowski

What happens when all the world's money moves on chain? That's not a hypothetical for Marc Boiron, CEO of Polygon Labs, it's the company's mission. In this episode, Marc explains how Polygon is evolving from its roots as an Ethereum layer two into the blockchain for global payments, detailing two recent acquisitions that form the foundation of what he calls the "open money stack" - a single API combining on-ramps, wallets, and cross-chain interoperability.With over $2.5 trillion in transaction volume already processed and partnerships with Revolut, Stripe, Nubank, and dozens of fintechs across Latin America, Africa, and Asia, Marc makes the case that stablecoins are just the beginning. He shares why tokenized bank deposits will be the real game-changer, how banks are already positioning to profit from this shift, and why in 10 years he believes every dollar, whether paying a merchant down the street or sending a remittance across the globe, will move on a blockchain without anyone even thinking about it.In this podcast you will learn:How Marc first got interested in blockchain and crypto technology.Why he decided to make the move to Polygon Labs.Why Polygon decided to focus on payments.All the components you need to move money around the world on blockchain.The idea behind the open money stack.How Polygon is working with the likes of Revolut and Stripe.How they differentiate themselves from the other payments blockchains.What they are doing in AML and sanctions policy.The scale that Polygon is at today when it comes to transaction volume.What will the financial system look like when more money stays on chain.The two things banks ask in their initial conversations with Polygon.How money will transform in the next 10 years and why most people will not notice.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

In this episode, Lex speaks with John Caplan — CEO of Payoneer, a public fintech company driving over $85 billion in annual cross-border payment volume. With roots as a prepaid card provider, Payoneer has evolved into a global financial operating platform serving 2 million entrepreneurs across 190 countries.Caplan shares insights from his entrepreneurial journey—from building OpenSky and scaling it to $50 million in revenue before its acquisition by Alibaba, to now leading Payoneer's transformation into a full-service banking alternative for global SMBs.We explore how Payoneer is addressing the complex financial needs of international businesses, competing in a dynamic payments landscape, and preparing for a future that includes stablecoins, workforce management, and potentially $1 trillion in annual volume.NOTABLE DISCUSSION POINTS:Payoneer's Strategic Evolution from Payout Processor to Global SMB Bank AlternativeUnder John Caplan's leadership, Payoneer expanded beyond marketplace payouts to become a comprehensive cross-border financial platform, offering AR/AP, intra-network transfers, cards, and global workforce management. This shift has significantly increased customer retention, take rate, and profitability—highlighting how product expansion and upmarket focus can unlock durable growth in fintech.Execution Over Hype in Global Fintech InfrastructurePayoneer operates in 190 countries with 100+ banking partners and 7,000 payment routes—demonstrating the importance of deep regulatory compliance, local licensing, and multi-entity support in building resilient cross-border infrastructure. Unlike crypto-native entrants, Payoneer emphasizes last-mile utility and customer trust as core differentiators for scaling in complex markets.Profitable Scale and Global Demand for SMB Financial ServicesWith $1B+ revenue, $200M+ EBITDA, and $7.5B in customer funds held, Payoneer is proving that serving cross-border SMBs is not just a mission, but a highly profitable business. Their customer base spans from Bangladeshi freelancers to European firms doing $1M+ in volume, signaling massive, underserved global demand for modern financial tools outside the traditional banking system.TOPICSPayoneer, Alibaba, OpenSky, Stripe, Wise, Airwallex, Mercury, NuBank, digital banking, embedded finance, stablecoins, blockchain, regtech, B2B payments, SPAC, supple chain, ecommerce ABOUT THE FINTECH BLUEPRINT

Crypto News: Bitcoin's price bottom is near and rotation from Gold and Silver is coming. Binance to buy $1 billion in Bitcoin over the next 30 days. President Trump nominates pro crypto Kevin Warsh as the next Fed Chairman.Brought to you by

A los 25 años, Alejandro Casas dejó su trabajo como CTO convencido de que sabía todo sobre emprender. La primera semana quedó paralizado. No sabía nada.Pasó por 11 ideas diferentes. Recibió decenas de "no" de fondos de inversión. Vivió un accidente grave que lo obligó a repensar todo.Hoy es CEO de Simetrik, una empresa presente en 28 países que procesa más de 80 mil millones de dólares al año para clientes como Mercado Libre, NuBank y Rappi.En este episodio descubrimos:•    Por qué las ideas no tienen valor (y qué sí lo tiene)•    Cómo transformar los "no" en combustible•    Qué nos falta a los latinoamericanos para construir empresas globales•    Por qué en la era de la IA tenemos que soñar más grande"Creía que sabía todo sobre emprender. La realidad me enseñó humildad”, confesó Alejandro.Cambia cómo ves. Todo lo demás sigue.