Podcasts about Nubank

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

Episódio especial do stemma gravado no estúdio stemma-Unlimited no Village do Nubank Ultravioleta IRONMAN 70.3 Curitiba com a triatleta profissional @pimeneghini @pimeneghini vem se consolidando como um forte nome na longa distância do triathlon brasileiro após um incrível ano em 2025, com resultados expressivos no profissional como o 3º lugar no IRONMAN 70.3 Brasília e o 2º lugar no IRONMAN 70.3 Aracaju! Com a vaga já garantida esse ano para o Mundial de IRONMAN 70.3 em Nice

A síndrome do impostor é muito mais comum no mundo de produto do que muita gente imagina.Neste episódio do Product Guru's, Paulo Chiodi conversa com Camila (Cami_Product) sobre por que tantos Product Managers sentem que não pertencem ao cargo, mesmo tendo experiência e resultados.A conversa explora os bastidores da carreira de PM: a falta de formação formal para a área, a pressão constante de stakeholders, o excesso de buzzwords no mercado, e o fato de que o PM muitas vezes precisa ser generalista em um ambiente cheio de especialistas.Camila compartilha também 8 motivos estruturais que alimentam a síndrome do impostor em produto, além de estratégias práticas para lidar com isso, como criar um roadmap de carreira, documentar conquistas e desenvolver um senso de produto mais forte.Outro ponto central do episódio é o impacto da IA no papel do Product Manager. Será que as habilidades técnicas vão substituir o PM ou tornar o papel ainda mais estratégico?Se você trabalha com produto, tecnologia ou quer crescer na carreira de PM, este episódio vai mostrar o que realmente acontece nos bastidores da profissão, longe do que aparece no LinkedIn.Você vai aprender neste episódio:Por que 84% dos PMs sofrem síndrome do impostorOs 8 fatores que explicam essa insegurança na carreira de produtoComo construir um roadmap estratégico para sua carreiraPor que documentar suas entregas pode mudar sua trajetória profissionalO que realmente diferencia PMs seniores no mundo com IAA verdade pouco falada sobre crescimento na carreira em produtoSe esse episódio fizer sentido para você, compartilhe com outro PM ou profissional de produto que também vive essas dúvidas na carreira.

No episódio de hoje, discutimos as movimentações que estão sacudindo o mercado global e o comportamento do consumidor em 2026:

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

Season 5 opens with one of the architects of Latin America's tech ecosystem.Hernán Kazah co-founded MercadoLibre — Latin America's most valuable technology company with a market cap exceeding $100B — and later built Kaszek Ventures into a multi-billion-dollar venture firm backing companies like Nubank, Kavak, and Gympass (Wellhub).In this Season 5 premiere of The J Curve, Hernán shares lessons from building MercadoLibre from a garage startup with 80 competitors into a generational technology company — and from investing in the next generation of Latin American founders.  We discuss:• The early strategic decisions that allowed MercadoLibre to win• Why the default outcome for founders is failure  • How Kaszek evaluates founders and investment opportunities  • The venture capital power law and why investors must be right only a few times  • Building a generational venture capital institution in Latin America  • The impact of AI on software and the future of SaaS  • How great founders actually get identified• The evolution of the Latin American tech ecosystemHernán also explains why building a startup in Latin America is like “climbing Everest on top of a rollercoaster” — and why the next generation of iconic companies is still ahead.  This episode is a masterclass on:– Building enduring technology companies– Venture capital decision-making– Founder psychology– Long-term compounding– The future of Latin American techSubscribe to The J Curve for conversations with the founders and investors building the future of Latin American tech. Follow the show on Spotify and sign up for The J Curve Insider newsletter for deeper insights and behind-the-scenes content.

Hoy les cuento por qué Nubank y Pibank están lejos de superar a la banca tradicional en CDTshttps://whatsapp.com/channel/0029Va4POHt6WaKhONGGhi38

En el capítulo 1.061 de este viernes, 27 de febrero, @franaldaya te comenta la aprobación del acuerdo Mercosur-UE y la media sanción a los cambios en la ley de glaciares, los resultados de Globant e YPF, y la jornada de caídas generalizadas en Wall Street con Nvidia, MercadoLibre y Nubank bajo presión. Además, Tomás Carrió en #ElCierre de la semana, hoy con Matías De Luca, jefe de research y estrategia de Parakeet Capital.

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/

Nos falaram que o cartão internacional Ultravioleta do Nubank possui IOF E SPREAD zero. Ou seja, nenhum custo para conversão de moeda de compras internacionais. Será verdade? Verificamos! Ao final, opinião e recomendação de Gustavo Candiota, consultor de câmbio e fundador da Câmbio Inteligente.

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

Este episódio foi originalmente publicado no podcast Elixir em Foco e está disponível em https://www.youtube.com/watch?v=4xibkZ4jFWw.

Fala galera, nesse episódio eu falo sobre a minha visita aos escritórios da Sequoia e dos Founders Fund, 2 dos maiores fundos de VC do MUNDO! Eu falo sobre as histórias que eles contaram pra gente sobre a NVIDIA, Nubank, PayPal, OpenAI e Anthropic. Além disso eu explico o que são fundos de VC e como eles funcionam!Aqui está o link para a página de vendas para saber mais sobre mim e sobre o curso: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cursovidacomia.com.br/Aqui está o link para se inscrever: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://pay.hotmart.com/W98240617U?off=sgcxar41&bid=1769049109622Link do grupo do wpp: https://chat.whatsapp.com/GNLhf8aCurbHQc9ayX5oCPInstagram do podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/podcast.vidacomia⁠Meu Linkedin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/filipe-lauar/

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

Galaxy S26, S26+ e S26 Ultra: nova cor, imagens, ficha técnica e datas vazam por completo. Novo sistema do Pix para rastrear fraudes passa a ser obrigatório a partir de hoje (2). IA do Google que faz jogos quebra até a dona de GTA 6! O que é esse tal de Genie 3 que impactou o mercado? Power bank da Xiaomi tão fino quanto um iPhone Air chega ao mercado global. Samsung confirma um bug na One UI 8 que afeta o modo Não Perturbe no Galaxy Watch. Tim Cook recebe críticas e pedidos de boicote, Uber expande o Uber Electric no Brasil, Apple e Google foram acusadas de lucrar com apps ilegais de IA, o Google aceitou pagar US$ 68 milhões por espionagem via Assistente, a Amazon demitiu 16 mil funcionários e o Nubank virou alvo de investigação por CDBs do Banco Master.

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

Grupo Salinas acuerda pagar MXN$32.000 millones al SAT tras años de litigios, la llamada entre Sheinbaum y Trump, Nubank da un paso más en su expansión a Estados Unidos, los resultados de Apple, Mastercard y Visa, y Shakira, vaya que factura. 

O projeto pioneiro da Acelen Renováveis com a Macaúba para a transição energética destaca a relevância dessa matéria-prima estratégica para o SAF e o interesse de mercados como Estados Unidos e Europa. Marcelo Lyra, vice-presidente de RI, ESG e Comunicação traz detalhes dessa inovação que é o futuro da energia global. Confira a entrevista completa em: https://www.youtube.com/watch?v=IHtzorhYKMo#Patrocinado

Hoy hablaremos de la suspensión de la emergencia económica que decretó Petro, de la reunión de la Junta Directiva del Banco de la República y de la aprobación que recibió Nubank en EE.UU. https://whatsapp.com/channel/0029Va4POHt6WaKhONGGhi38

México y EE.UU. arrancarán las conversaciones formales rumbo a la revisión del T-MEC, las claves del mensaje de Jerome Powell tras la decisión de la Fed, Nubank anota máximo en bolsa, los resultados de Microsoft y Meta, y Musk insiste en hacer sus propios chips.

Galaxy S26 Ultra pode trazer tela com modo de privacidade avançado. Apple Watch: notificação de hipertensão agora está disponível no Brasil. Caso Master: ação pede investigação do Nubank, BTG e XP. Amazon confirma demissão de 16 mil funcionários em novo corte e os serviços do INSS ficarão fora do ar a partir desta terça-feira (27) e podem voltar só no dia 31 de janeiro, venha entender o porquê.

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.

This interview was recorded for GOTO Unscripted.https://gotopia.techRead the full transcription of this interview here:https://gotopia.tech/articles/408Michael Nygard - Chief Architect at Nubank & Author of "Release It!"Charles Humble - Freelance Techie, Podcaster, Editor, Author & ConsultantFULL TALK TITLEBuilding Software That Survives: Autonomy, Architecture & Alignment at ScaleRESOURCESMichaelhttps://www.linkedin.com/in/mtnygardhttps://twitter.com/mtnygardhttp://www.michaelnygard.comCharleshttps://bsky.app/profile/charleshumble.bsky.socialhttps://linkedin.com/in/charleshumblehttps://mastodon.social/@charleshumblehttps://conissaunce.comDESCRIPTIONMichael Nygard, author of the influential "Release It!" and Chief Architect at Nuank, discusses his journey from programmer to technical leader.In this conversation, he shares insights from major transformation projects at Sabre and Nubank, exploring the nuances of centralization versus autonomy, the often-misunderstood implications of Conway's Law, and how architectural boundaries can reduce the need for constant organizational alignment.He emphasizes that effective technical leadership involves more than reorganizations - it requires understanding communication structures, celebrating the right behaviors, and creating systems that enable teams to operate independently within well-defined boundaries.RECOMMENDED BOOKSMichael Nygard • Release It! 2nd Edition • https://amzn.to/3WJeKV8Michael Nygard • Release It! 1st Edition • https://amzn.to/3XCkiRfRichard Monson-Haefel • 97 Things Every Software Architect Should Know • https://amzn.to/3JdRYU2Charles Humble • Professional Skills for Software Engineers • https://www.conissaunce.com/professional-skills-shortcutPatterson, Grenny, McMillan & Switzler • Crucial Conversations • https://amzn.to/3LhGHTaYevgeniy Brikman • Fundamentals of DevOps and Software Delivery • https://amzn.to/3WMPMFUTod Golding • Building Multi-Tenant SaaS Architectures • https://amzn.to/3YfM49oJacqui Read • Communication Patterns • https://amzn.to/3E37lvvMatthew Skelton & Manuel Pais • Team Topologies • http://amzn.to/3sVLyLQJames Stanier • Become an Effective Software Engineering Manager • https://amzn.to/3vHrx1EBlueskyTwitterInstagramLinkedInFacebookCHANNEL MEMBERSHIP BONUSJoin this channel to get early access to videos & other perks:https://www.youtube.com/channel/UCs_tLP3AiwYKwdUHpltJPuA/joinLooking for a unique learning experience?Attend the next GOTO conference near you! Get your ticket: gotopia.techSUBSCRIBE TO OUR YOUTUBE CHANNEL - new videos posted daily!

00:00 Os Critérios: O que define um bom banco hoje?01:00 Banco Inter: pontos, cashback e premium sem tarifa04:50 Mercado Pago: rendimento automático e ecossistema Mercado Livre07:10 PagBank: conta digital + força no PJ09:27 PicPay: cashback e uso no dia a dia11:51 Nubank: simplicidade e Ultravioleta13:10 Ranking oficial: melhor banco digital em 202514:42 RC Club e RC Wealth

From Pony.ai launching a robo-taxi service during a Shanghai storm to E Ink revolutionising the way supermarkets label their shelves – emerging market companies are in many cases leapfrogging western counterparts. In this episode, investment manager Alice Stretch reveals to host Leo Kelion some of the most disruptive companies innovating at speed in Asia and Latin America. Background:Alice Stretch is an investment manager in Baillie Gifford's Emerging Markets Equity Team. In this conversation, recorded as part of our annual Disruption Week briefings, she explores some of the growth companies in her portfolios turning constraints to their advantage and reducing friction in their customers' lives. Companies discussed include: PolicyBazaar – the Indian insurance platform making it easier for people to protect themselves against life's financial shocks.Nubank – the Brazilian digital lender extending access to banking and credit.Meituan – the food delivery and local services app extending its reach beyond China.MercadoLibre – the Latin American ecommerce and fintech giant expanding into advertising.Mobile World – the Vietnamese conglomerate that has expanded from mobile phones to competitively priced groceries.Sea Ltd – the Singaporean gaming, shopping and fintech group eyeing the possibilities of agentic AI.TSMC (Taiwan Semiconductor Manufacturing Company) – the world's leading chip manufacturer.E Ink – the Taiwanese e-paper pioneer building on its ebook success to provide supermarkets with updateable price tags and marketers with low-power digital billboards.Pony.ai – the first driverless car company to offer a robo-taxi service in four of China's most populous cities. Resources:Disruption Week Emerging markets: how we do what we doEmerging markets: from imitators to innovatorsEmerging markets: the next engines of growth (podcast)Emerging markets in 2050: growth in a changing worldImecShort Briefings on Long Term Thinking hub Companies mentioned include:AmazonByteDanceChromaE InkMercadoLibreMobile WorldMeituanNubankNVIDIAPolicyBazaarPony.aiSea LtdStellantisTSMC Timecodes:00:00  Introduction – Pony.ai takes to Shanghai's roads02:00  The imitators become the innovators05:10   How PolicyBazaar benefits from not being locked into a legacy system 07:10   Nubank: reducing friction while expanding access to banking and credit09:25  MercadoLibre's multi-act expansion leads it to advertising technology10:25   Mobile World's move from selling handsets to groceries11:50   Ways Sea Ltd developed capabilities while operating under constraints13:45   Sea CEO Forrest Li's ability to adapt and pivot15:25   Taking the long-term view and a generalist approach17:30   Studying the semiconductor industry with the help of Imec and TSMC19:45   Investing in Chroma and E Ink in Taiwan21:10   Walmart and other supermarkets adopt E Ink's updateable price labels22:45  The case for investing in Pony.ai as a long-term growth investor24:10   Pony.ai's cost advantage and international partnerships25:55  Taking macroeconomic and geopolitical risk into account27:15   Putting deep knowledge and research to our clients' advantage

My Fintech Newsletter for more interviews and the latest insights:↪︎ https://rexsalisbury.substack.com/In this episode, Nubank co-founder Christina shares how they built a $70B fintech giant serving 99M users—60% of Brazil's primary banking relationships. From launching Brazil's first purple credit card to surviving regulatory crises, conquering Mexico/Colombia, and now applying for a US bank charter. She reveals their low-cost playbook, customer love strategy, and why they're bullish on America.Christina: https://www.linkedin.com/in/crisjunqueira/00:00:00 - Nubank's $70B Rise, US Charter News00:03:34 - Why US? Cost Edge, Customer Demand00:07:30 - Three Misfits Quit Bank to Start Nubank00:10:16 - Capital One Lessons Shape Credit Cards00:13:58 - Purple Card Launch: Viral Pull Effect00:17:14 - Waitlist Fuels Organic Early Growth00:20:05 - 2016 Crisis: Customers Save Nubank00:23:04 - Accounts Launch: Self-Funded Destiny00:26:28 - Inclusion Stats: 80% First-Time Savers00:30:04 - Mexico 2019: Underpenetrated Market00:33:32 - IPO at 8 Months Pregnant, No Finish Line00:37:08 - US Team: Miami Hub, Tech Hires00:41:54 - Stablecoins Real: #2 in Brazil00:45:14 - AI Transforming Underwriting, Support00:48:05 - Founder Advice: Homework, No Perfect Time00:52:33 - Culture: Avoid Negativity, Hire Aligned___Rex Salisbury LinkedIn:↪︎ https://www.linkedin.com/in/rexsalisburyTwitter: https://twitter.com/rexsalisburyTikTok: https://www.tiktok.com/@rex.salisburyInstagram: https://www.instagram.com/rexsalisbury/#NubankUSExpansion #FintechDisruption #ChristinaNubank

Nubank va con todo, invertirá 2,500 mdd en México  Clara Brugada viaja a Washington para el sorteo del Mundial 2026  Fuerte incendio en Hidalgo por quema de basura en bodegaMás información en nuestro Podcast

Nubank co-founder Cristina Junquiera joins the podcast to discuss one of fintech's most remarkable success stories, from a Brazilian startup that had customers begging to get off the waitlist to a publicly traded company serving 127 million customers and reaching 60% of Brazilian adults.In this wide-ranging conversation, Cristina shares the origin story of how three founders from different countries came together to fight complexity in financial services, the challenges of conducting simultaneous IPOs in New York and Sao Paulo to give their customers access, and lessons from expanding into Mexico and Colombia. Most notably, she reveals why Nubank chose the massive US market as their fourth country, detailing their de novo bank charter application with the OCC and her relocation to Miami to lead the charge. Cristina also discusses Nubank's approach to digital assets, their partnership with OpenAI, and why she believes there's far more ahead for the company than behind it.In this podcast you will learn:How Cristina's time at Brazil's largest bank prepared her for Nubank.How she met David Velez, the CEO and co-founder.What she saw was missing in the Brazilian market.When they realized that they were on to something special with Nubank.What they had to change when they expanded into Brazil.How consumers use credit cards different from Brazil to Mexico and Colombia.Why they took on the added complexity and cost of allowing their retail customers to participate in their IPO.How becoming a public company has impacted their mission.With 60% of adults in Brazil, how Nubank can still grow in their home market.When they decided that the U.S. was going to be in their expansion plans.What they see as the opportunity for Nubank in the U.S.Why they decided to file a de novo bank charter application rather than acquire a bank.Nubank's approach to digital assets.How they are partnering with OpenAI and their approach to AI in general.What Cris is most excited about for this new chapter for Nubank.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Muy buenos días, anuncio doble el que da el Gobierno mexicano: se aumenta el salario mínimo y la iniciativa de reforma laboral de 40 horas está lista. Lo curioso es que la segunda ayudó a definir lo primero. Para profundizar, hablamos con el meromero de la Comisión de Salarios Mínimos y de paso esclarecer algunas dudas. Relevo esperado en la FGR, Nubank buscará la licencia bancaria en Brasil y no porque quiera, hay giro de tuerca en el conteo de votos en Honduras, Paramount cree tener la oferta ganadora para Warner y se viene el cara a cara más esperado del año. [Patrocinado] Conoce las oportunidades que ofrece Deel aquí.

IPTV pirata não vacila na zona leste de São Paulo: ‘Eu já tinha outra antes de cair'. Deputado cria PL para liberar armas de fogo a profissionais de TI e segurança. Nubank confirma intenção de adquirir licença bancária para virar banco. Brasil ganha plano contra fraudes bancárias; 23 instituições envolvidas e YouTube lança retrospectiva oficial com vídeos mais vistos; saiba como fazer a sua.

Thanks to Prosus Group for collaborating on the Agents in Production Virtual Conference 2025.Abstract //The discussion centers on highly technical yet practical themes, such as the use of advanced post-training techniques like Direct Preference Optimization (DPO) and Parameter-Efficient Fine-Tuning (PEFT) to ensure LLMs maintain stability while specializing for e-commerce domains. We compare the implementation challenges of Computer-Using Agents in automating legacy enterprise systems versus the stability issues faced by conversational agents when inputs become unpredictable in production. We will analyze the role of cloud infrastructure in supporting the continuous, iterative training loops required by Reinforcement Learning-based agents for e-commerce!Bio // Paul van der Boor (Panel Host) //Paul van der Boor is a Senior Director of Data Science at Prosus and a member of its internal AI group.Arushi Jain (Panelist) // Arushi is a Senior Applied Scientist at Microsoft, working on LLM post-training for Computer-Using Agent (CUA) through Reinforcement Learning. She previously completed Microsoft's competitive 2-year AI Rotational Program (MAIDAP), building and shipping AI-powered features across four product teams.She holds a Master's in Machine Learning from the University of Michigan, Ann Arbor, and a Dual Degree in Economics from IIT Kanpur. At Michigan, she led the NLG efforts for the Alexa Prize Team, securing a $250K research grant to develop a personalized, active-listening socialbot. Her research spans collaborations with Rutgers School of Information, Virginia Tech's Economics Department, and UCLA's Center for Digital Behavior.Beyond her technical work, Arushi is a passionate advocate for gender equity in AI. She leads the Women in Data Science (WiDS) Cambridge community, scaling participation in her ML workshops from 25 women in 2020 to 100+ in 2025—empowering women and non-binary technologists through education and mentorship.Swati Bhatia //Passionate about building and investing in cutting-edge technology to drive positive impact.Currently shaping the future of AI/ML at Google Cloud.10+ years of global experience across the U.S, EMEA, and India in product, strategy & venture capital (Google, Uber, BCG, Morpheus Ventures).Audi Liu //I'm passionate about making AI more useful and safe.Why? Because AI will be ubiquitous in every workflow, powering our lives just like how electricity revolutionized our society - It's pivotal we get it right.At Inworld AI, we believe all future software will be powered by voice. As a Sr Product Manager at Inworld, I'm focused on building a real-time voice API that empowers developers to create engaging, human-like experiences. Inworld offers state-of-the-art voice AI at a radically accessible price - No. 1 on Hugging Face and Artificial Analysis, instant voice cloning, rich multilingual support, real-time streaming, and emotion plus non-verbal control, all for just $5 per million characters.Isabella Piratininga //Experienced Product Leader with over 10 years in the tech industry, shaping impactful solutions across micro-mobility, e-commerce, and leading organizations in the new economy, such as OLX, iFood, and now Nubank. I began my journey as a Product Owner during the early days of modern product management, contributing to pivotal moments like scaling startups, mergers of major tech companies, and driving innovation in digital banking.My passion lies in solving complex challenges through user-centered product strategies. I believe in creating products that serve as a bridge between user needs and business goals, fostering value and driving growth. At Nubank, I focus on redefining financial experiences and empowering users with accessible and innovative solutions.

00:00 Isenção IR até R$ 5 mil02:05 Eleições 202603:18 Azedou o Clima entre Lula, Mota e Alcolumbre04:26 Pauta Bomba no Congresso07:10 Arrecadação de Impostos Bate Recorde08:48 Ranking Global de Competitividade10:10 Ranking Estados Mais Competitivos do Brasil11:38 Itaú Compra Ações do Nubank12:02 RC Club e RC Wealth

Muy buenos días, con café sin azúcar para México, que elevó los aranceles al azúcar importado. La acción de Nubank, entre máximos históricos y alzas de más de 50%. SoftBank vende toda su participación en Nvidia, ¿por qué lo hace? Y seis lecciones para inversionistas que deja la carta de Warren Buffett. [Patrocinado] Descubre más sobre los beneficios que Banamex tiene para las empresas y los empleados con la campaña “Larga vida a tu quincena”: https://www.youtube.com/watch?v=BNEh_ruYpDU

Send us a text[Original air date, November 19, 2024]  Miguel Armaza travels to Alexandria, Virginia for an in-person interview with a fintech legend: Nigel Morris, Co-Founder of QED and Capital One. QED is a global fintech venture capital firm that has backed numerous amazing companies, including Credit Karma, Nubank, Avant, SoFi, and Klarna. They currently have over $4.0 billion in AUM.Prior to QED, Nigel co-founded Capital One in 1994. The bank today is amongst the 10 largest banks in the US with almost $500 billion in assets. They are also one of the most innovative financial institutions that have inspired countless of entrepreneurs worldwide.Timestamped Overview00:00 Intro 01:25 Nigel's Background05:02 Driven by Curiosity and Empiricism09:03 Banking economics and unsecured credit10:10 Data economics and scientific method14:12 Intentional Leadership Shapes Culture18:25 NuBank exceptional net promoter scores22:37 Fintech Journey Early Stages25:06 Financial inclusions global expansion27:50 Big Tech AI Dominance33:16 Co-Founder Synergy and Longevity36:00 Effective board meeting essentials37:25 Effective Board Meetings Matter42:09 Climbing a million feet yearly44:21 Fintech empowering global changeWant 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 ~70,000+ 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

On this episode of Chit Chat Stocks, we speak with Dave Ahern of the Investing For Beginners Podcast. We discuss how Nubank has come to dominate the online banking space in Latin America. We explore their innovative digital banking model, growth strategies in Brazil and Mexico, potential expansion into other Latin American markets, and the implications of applying for a U.S. banking license.(03:22) Understanding NuBank's Business Model(06:08) Growth Strategies in Brazil(10:30) Expansion Potential in Mexico(16:34) Future Expansion in Latin America(22:37) Why NuBank applied for a U.S. Banking License(25:47) Exploring Growth Beyond Financial Services(31:43) Management Insights: David Velez and His Leadership(36:56) Valuation and Growth ProjectionsVALUE SPOTLIGHT: https://einvestingforbeginners.com/value-spotlight-newsletter/*****************************************************JOIN OUR EMAIL NEWSLETTER AND CHAT COMMUNITY: ⁠https://chitchatstocks.substack.com/⁠ *********************************************************************Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today: ⁠https://www.interactivebrokers.com/⁠ Interactive Brokers is a member of SIPC. *********************************************************************Fiscal.ai is building the future of financial data.With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price. Use our LINK and get 15% off any premium plan: ⁠⁠https://fiscal.ai/chitchat⁠ *********************************************************************Portseido is your best portfolio tracking & reporting solution that helps you track all investments in one place. We personally use the software to track our portfolio returns across brokerage accounts. Get up to 40% off Nov. 26th - Dec. 1st with our link: https://portseido.com/?fpr=ryan63⁠ *********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.

The U.S.-to-LATAM corridor is heating up fast, and the rules of getting paid are changing even faster. We sit down with PPRO's Therese Hudak to unpack fresh insights from their new Almanac, spotlighting what actually moves the needle for conversion and growth across Brazil, Mexico, Chile, Colombia, Peru, and Argentina. From the meteoric rise of PIX in Brazil to the quiet power of cash vouchers in Mexico, we break down the methods your customers already use and why adopting them can transform your cross-border results.We explore how real-time bank transfers and digital wallets are overtaking traditional rails, what super app ecosystems like Mercado Pago, Nubank, Rappi, and PicPay mean for reach and retention, and why local acquiring often beats cross-border processing on authorization rates, costs, and customer trust. You'll hear concrete examples of local-only card schemes, the hidden fees that trigger chargebacks, and practical ways to present clean, transparent pricing that keeps buyers coming back.We also dive into vertical-specific tactics. Retail remains the growth engine with fashion, electronics, and beauty leading spend, while mobile-first behavior and social commerce reshape discovery and checkout. Gaming and SaaS face unique subscription hurdles as issuers scrutinize merchant-initiated transactions; we share ways to align with LATAM's installment culture and use wallet flexibility to lift acceptance. To wrap it up, we provide a simple checklist: activate local access, accept the right methods, manage performance - to help you enter, learn, and scale with confidence.If LATAM is on your roadmap, this conversation gives you the playbook to act now. Visit ppro.com/almanac to learn more. 

In episode 86 of o11ycast, Ken Rimple and Jessica Kerr sit down with Amarilis Campos from Nubank. They explore how Brazil's largest digital bank uses observability to build resilience and autonomy at scale. Amarilis shares how Nubank's culture of “acting like owners, not renters” and its journey from metrics and logs to tracing with Honeycomb helped the company grow to over 100 million customers.

In episode 86 of o11ycast, Ken Rimple and Jessica Kerr sit down with Amarilis Campos from Nubank. They explore how Brazil's largest digital bank uses observability to build resilience and autonomy at scale. Amarilis shares how Nubank's culture of “acting like owners, not renters” and its journey from metrics and logs to tracing with Honeycomb helped the company grow to over 100 million customers.

Connect with Early Riders // Connect with OnrampPresented collaboratively by Early Riders & Onramp Media…Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.00:00 – Intro & welcoming Gustavo Flores01:17 – UK opens retail BTC/ETH ETPs04:13 – Japan stablecoins & productization07:49 – LATAM stablecoin wave; Brazil in focus11:27 – Coinbase x CoinDCX (India/APAC)15:47 – Stablecoin plumbing: BlackRock & Stripe20:27 – BTC credit vs high LATAM rates; Bolivia case23:31 – Nubank pursues U.S. bank charter29:11 – 2026 custody (Citi/Schwab) & cycle timing33:25 – Aureo announced (Swapido → Aureo)35:03 – Aureo MIC thesis & team42:21 – Storage-first: MIC + localized service56:40 – Debasement trade & BTC hurdle rate1:04:23 – Onramp Business controls; wrap & disclaimerIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly.Links discussed:https://www.aureobitcoin.com/enhttps://www.earlyriders.com/news/early-riders-acts-as-exclusive-investor-in-aureos-pre-seed-round-to-build-latam-native-bitcoin-financial-services-infrastructurehttps://bitcoin.docsend.com/view/2dj7n3sjr5uyrsr4https://blockworks.co/news/tempo-series-a-raisehttps://www.lightspark.com/news/lightspark/introducing-lightspark-gridhttps://www.theblock.co/post/374924/blackrock-to-launch-genius-compliant-money-market-fund-tailored-for-stablecoin-issuers-report?utm_source=telegram1&utm_medium=socialhttps://www.cnbc.com/2025/10/13/citi-aims-to-launch-crypto-custody-in-2026-exploring-stablecoin.htmlhttps://www.theblock.co/post/375228/japan-fsa-local-banks-cryptohttps://www.theblock.co/post/375250/21shares-bitwise-blackrock-wisdomtree-uk-retail-bitcoin-ethereum-etps-fcahttps://www.coinbase.com/en-in/blog/Coinbase-makes-investment-in-CoinDCX-expanding-our-commitment-to-India-and-the-Middle-Easts-crypto-futurehttps://www.theblock.co/post/374870/paxos-mistakenly-mints-300-trillionhttps://www.theblock.co/post/375083/japans-big-banks-join-forces-on-stablecoins-to-speed-corporate-payments-nikkeihttps://www.theblock.co/post/374643/stripe-stablecoin-unit-bridge-applies-for-national-bank-trust-charter-co-founder-zach-abrams-saysKeep up with Michael:https://x.com/MTangumahttps://www.linkedin.com/in/mtanguma/Keep up with Brian:https://x.com/BackslashBTChttps://www.linkedin.com/in/brian-cubellis-00b1a660/Keep up with Liam:https://x.com/Lnelson_21https://www.linkedin.com/in/liam-nelson1/Keep up with Gustavo:https://x.com/gustavojfehttps://www.linkedin.com/in/gustavo-j-flores-echaiz/

Send us a textMiguel Armaza sits down with Santiago Suárez, Co-Founder & CEO of Addi, one of Colombia's fastest-growing fintech and commerce platforms. With a background that spans global finance and a track record of driving innovation in Latin America, Santiago shares a candid, in-depth look at lessons from scaling Addi to over $1.3 billion in annualized GMV, serving 2.5 million customers, and achieving industry-leading gross margins above 55%.In this episode, Santiago and Miguel dive deep into Addi's unique approach to board management—treating every board meeting as a “dirty laundry” session to maximize transparency, trust, and tangible input from world-class investors like Andreessen Horowitz, GIC, and Union Square Ventures. Santiago also unpacks the company's relentless focus on operational excellence, from shifting to a North Star-driven management style to building a contentious yet high-performing executive team with global talent from Amazon, Capital One, and PayTM.Timestamped Overview00:00 Intro03:57 Monthly updates streamline meetings09:00 Building Success Amid Challenges13:02 Seamless commerce and finance ecosystem14:20 Persistent Networking Pays Off18:49 Marketplace built on consumer demand21:43 Scaling globally through self-funding24:00 Show Your Work The Why27:30 Empowered Customer Service Equity31:30 AI Agents Powering Transactions34:10 AI Data and Deployment Nuances38:30 Building success through early funding41:30 CEO weekly field day

We've curated a special 10-minute version of the podcast for those in a hurry. Here you can listen to the full episode: https://podcasts.apple.com/no/podcast/david-v%C3%A9lez-building-nubank-transforming-banking-across/id1614211565?i=1000730718547&l=nbHow does one company redefine banking for millions? Nicolai Tangen speaks with David Vélez, founder and CEO of Nubank, one of the world's largest digital banks serving 120 million customers across Brazil, Mexico, and Colombia. They explore David's remarkable entrepreneurial journey and his mission to revolutionize Latin American banking, the strategy behind Nubank's iconic purple branding, and how the company built such incredible customer loyalty that millions joined waiting lists for their products. David shares his philosophy on customer obsession, the challenges of scaling from startup to major financial institution, and his view on the massive global opportunity as financial services continues to digitalize worldwide. With Nubankvalued as one of the most valuable banks in the region, this anti-bank is reshaping financial services. Tune in for an inspiring conversation!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday. The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Isabelle Karlsson. Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.

How does one company redefine banking for millions? Nicolai Tangen speaks with David Vélez, founder and CEO of Nubank, one of the world's largest digital banks serving 120 million customers across Brazil, Mexico, and Colombia. They explore David's remarkable entrepreneurial journey and his mission to revolutionize Latin American banking, the strategy behind Nubank's iconic purple branding, and how the company built such incredible customer loyalty that millions joined waiting lists for their products. David shares his philosophy on customer obsession, the challenges of scaling from startup to major financial institution, and his view on the massive global opportunity as financial services continues to digitalize worldwide. With Nubank valued as one of the most valuable banks in the region, this anti-bank is reshaping financial services. Tune in for an inspiring conversation!In Good Company is hosted by Nicolai Tangen, CEO of Norges Bank Investment Management. New full episodes every Wednesday, and don't miss our Highlight episodes every Friday. The production team for this episode includes Isabelle Karlsson and PLAN-B's Niklas Figenschau Johansen, Sebastian Langvik-Hansen and Pål Huuse. Background research was conducted by Isabelle Karlsson. Watch the episode on YouTube: Norges Bank Investment Management - YouTubeWant to learn more about the fund? The fund | Norges Bank Investment Management (nbim.no)Follow Nicolai Tangen on LinkedIn: Nicolai Tangen | LinkedInFollow NBIM on LinkedIn: Norges Bank Investment Management: Administrator for bedriftsside | LinkedInFollow NBIM on Instagram: Explore Norges Bank Investment Management on Instagram Hosted on Acast. See acast.com/privacy for more information.

Hoje o papo é dev raiz! Neste episódio, mergulhamos em Clojure e Datomic dentro do Nubank. Do armazenamento de dados à linguagem de programação, do valor de ter a stack à aquisição da Cognitect, o papo envolveu todos os aspectos da eterna busca pela redução da complexidade em troca de ter mais tempo de pensar na solução de problemas. E antes de ver quem participou do papo, fica o convite: Garanta o seu lugar na Clojure South 2025, a maior conferência de Clojure na América do Sul. O evento acontece nos dias 6 e 7 de outubro, na Av. Manuel Bandeira, 346, Vila Leopoldina, São Paulo/SP. Você não vai querer perder! E agora sim, vem ver quem participou desse papo: André David, o host que começa dando um recado Paulo Silveira, CVO do grupo Alun e co-fundador da Alura Mário Souto, o Dev Soutinho, Staff Software Engineer no Nubank Pamella Araujo, Senior Software Engineer no Nubank Thiago Carvalho, Senior Engineer Manager no Nubank

On this special segment of The Full Ratchet, the following Investors are featured: Daniela Binatti of Pismo Paul Madera of Meritech Capital Nnamdi Okike of 645 Ventures We asked guests to discuss the most visionary founder that they've worked with and what makes them so special. The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. We're proud to partner with Ramp, the modern finance automation platform. Book a demo and get $150—no strings attached.   Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

Crypto News: Gary Gensler joined CNBC today and spread FUD about crypto. DBS, Franklin Templeton and Ripple will offer tokenized trading and lending services on the XRP Ledger to attract institutional investors. Grayscale prepares to stake Ether holdings amid shifting SEC stance.Show Sponsor -

Scott Nolan is the CEO of General Matter, enriching uranium in America to reshore domestic nuclear fuel capacity and power the American energy production needed to lead in AI, manufacturing, and other critical industries. General Matter is backed by Founders Fund, the first institutional investor in SpaceX, Palantir, and Anduril.Scott is also a partner at Founders Fund, where for the past 13 years he led hardtech investments across energy, infrastructure, manufacturing, aerospace, and defense. Companies Scott has worked with include SpaceX, Neuralink, Crusoe Energy, Planet Labs, The Boring Company, Nubank, Impulse Space, and Radiant Nuclear. Previously, Scott was an early engineer at SpaceX, where he helped develop the Merlin engine systems and Dragon capsule. He earned his Master's and Bachelor's degrees in Mechanical and Aerospace Engineering from Cornell University, and his MBA from Stanford University. Shawn Ryan Show Sponsors: https://www.americanfinancing.net/srs nmls 182334, nmlsconsumeraccess.org https://www.tryarmra.com/srs https://www.betterhelp.com/srs This episode is sponsored by BetterHelp — give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://www.shawnlikesgold.com https://www.drinkhoist.com - USE CODE SRS https://www.patriotmobile.com/srs https://www.rocketmoney.com/srs Scott Nolan Links: LinkedIn - https://www.linkedin.com/in/scottpnolan X - https://x.com/ScottNolan General Matter - https://www.generalmatter.com  X - https://x.com/generalmatter  Founders Fund - https://foundersfund.com Learn more about your ad choices. Visit podcastchoices.com/adchoices