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Nu is the world’s largest digital financial services platform outside of Asia, serving over 105 million customers across Brazil, Mexico, and Colombia. The company is the fourth-largest financial insti

Every decision starts with understanding customer needs. Nubank's NPS scores consistently rank among the highest in financial services because the company prioritizes customer experience above all else.

Customer Obsession

Nubank was built to disrupt a broken banking system. The company maintains a challenger mindset, constantly questioning industry conventions and finding better ways to serve customers.

Challenging the Status Quo

By building on modern technology without legacy systems, Nubank operates at a fraction of the cost of traditional banks, passing savings to customers through lower fees and better rates.

Smart Efficiency

Employees are empowered to make decisions and trusted to act in the company's best interest. This culture of ownership enables rapid innovation and responsiveness to market needs.

Ownership & Trust

Nubank is Latin America's largest digital bank serving Brazil, Mexico, and Colombia. $11.5B revenue in 2024 (+58% YoY), $63B valuation, 114M customers. Net income $1.9B in 2024 (+92% YoY). Third-largest financial institution in Brazil by customers.

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Interview with David Vélez, founder of Brazil’s Nubank

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David Velez

Founder, Chairman & CEO

Cristina Junqueira

Co-Founder & CEO Nubank Brazil

Edward Wible

Co-Founder

Youssef Lahrech

President

Nubank is a Brazilian neobank headquartered in São Paulo, Brazil. Although it is not formally part of Brazil's National Financial System, Nubank operates as a financial and payment institution regulated and supervised by the Central Bank of Brazil. It is the largest fintech bank in Latin America, with around 88 million customers in Brazil and 6 million between Mexico and Colombia and a revenue of $8 billion. At its initial public offering in December 2021, Nubank was valued at $45 billion. According to the Q3 updates, the company reported a $783 million net income for the July-September period, up 39% year-on-year on a currency-neutral basis.

Peguei 100k com a Nubank e não vou pagar

Nubank acaba de anunciar internamente adesão ao Vibe Coding.

Funcionários de Nubank's da vida são completamente descolados da realidade

Aproximadamente 100k em caixinha Nubank e começando a me sentir extremamente desconfortável

Finalmente passei na NuBank

Passei no processo seletivo do nubank, porém....

Juntei 100 mil reais no Nubank - quero migrar para Itaú ou BTG, qual o melhor?

Como é a cultura de horário de trabalho na Nubank?

Nubank vs Mercado Livre

About the last step in Nubank process

brdev

investimentos

farialimabets

antitrampo

BOEING CO

David Velez, Cristina Junqueira, and Edward Wible founded Nubank in Sao Paulo, Brazil, to challenge the country's incumbent banks with a customer-centric digital banking approach.

Company Founded

Launched the iconic purple no-fee credit card managed entirely through a mobile app, disrupting Brazil's high-fee credit card market.

First Product Launch

Reached 1 million customers in Brazil, validating the digital banking model and demonstrating strong product-market fit through organic growth.

1 Million Customers

Launched NuConta digital banking account, expanding beyond credit cards to full digital banking services including savings and payments.

NuConta Launch

Expanded into Mexico, marking the first international market outside Brazil and beginning Latin American regional expansion strategy.

Mexico Expansion

Entered Colombia as third market, further expanding the Latin American digital banking footprint and proving the model's regional scalability.

Colombia Launch

Completed IPO on New York Stock Exchange raising $2.6 billion at $45 billion valuation, becoming one of the largest fintech IPOs ever.

NYSE IPO

Surpassed 50 million customers, becoming the largest neobank in the world by customer count and continuing rapid growth trajectory.

50 Million Customers

Reached 100 million customers in Brazil alone, representing nearly half the country's population and surpassing traditional bank Itau in customer count.

100 Million Brazil Customers

Achieved nearly $2 billion in annual net income on $11.5 billion revenue, demonstrating profitable scale and sustainable unit economics.

$2 Billion Net Income

Received banking license approval in Mexico from CNBV, becoming first SOFIPO to transform into a full bank and enabling expanded product offerings.

Mexico Banking License

Explore the latest styles in fashion, home and beauty with the H&M app. Discover inspiring collections and intuitive features that simplify the shopping experience — from instant search to real-time o

Your top app for online fashion shopping in Saudi Arabia, United Arab Emirates, Kuwait, Egypt, and Qatar.  Download the H&M app and shop all fashion clothing and accessories such as:

- Women's clothe

Erling Persson (1947 Sweden, retail entrepreneur)

Germany fines H&M 35 million euros for data protection breaches

H & M Hennes & Mauritz AB, commonly known by its brand name H&M, is a Swedish multinational clothing company headquartered in Stockholm. Built on a fast fashion business model, the retailer sells apparel, accessories, and homeware. The company operates thousands of stores across 75 geographical markets and employs over 171,000 people worldwide. H&M is the second-largest international clothing retailer after Inditex. H&M was founded by Erling Persson in 1947 under the name Hennes. The CEO of H&M from 2020 to 2024 was Helena Helmersson. The current CEO, as of January 2024, is Daniel Ervér.

Swedish multinational clothing-retail company

H&M generated $22B revenue 2024 as 2nd-largest fashion retailer (Swedish privately-held Persson family, 4,000+ stores 75 countries down from 5,000 peak, fast-fashion $10-40 T-shirts/dresses/basics, Conscious Collection sustainability 50% recycled). Founded 1947 Sweden as Hennes ('Hers') by Erling Persson (women's clothing, 1968 acquired Mauritz Widforss menswear rebranded H&M). 1970s-2000s global (U.S. 2000 NYC, 3,000+ stores, designer collaborations Karl Lagerfeld 2004 $100M sellout). However, 2015-2024 struggles: inventory crisis $4B unsold 2018 (slow fashion cycles versus Zara 2-week, store closures 500+, online 30% transition late), sustainability backlash greenwashing allegations Conscious Collection 5% actually recycled, Shein $30B ultra-fast $5-15 Gen Z. Competing Zara $30B #1 Inditex, Uniqlo $20B basics, Shein $30B online-only $5. Technology: mobile app, membership loyalty, digital receipts, inventory AI predictive limited. Employees 100,000+ (from 120K peak, store closures layoffs).

H&M's Sustainability Push and Inventory Crisis Navigate Fast-Fashion Backlash as Zara Competition and Shein $30B Ultra-Fast Threaten Market Share

H&M reaches $22B revenue as 2nd-largest global fashion retailer with 4,000+ stores, fast-fashion $10-40 model, Swedish origins, struggling Zara competition

H&M HENNES & MAURITZ AB

Women's clothing 'Hers'. Affordable fashion U.S.-inspired. 15 stores Sweden expansion.

Hennes & Mauritz. Added men's hunting/outdoor apparel. Stockholm stock. Sweden national chain.

Fifth Avenue flagship. 3,000+ stores. Fast-fashion model 2-4 week cycles. Zara competition began.

Stella McCartney, Balmain, Versace collabs. Prestige affordable $50-100. Marketing hype lines.

Recycled materials 50% claim. Greenwashing allegations 5% actually recycled. Garment collecting stores.

Slow fashion cycles vs Zara 2-week. Online 30% late transition. Shein $30B $5-15 Gen Z ultra-fast threat.

CEO Helena Helmersson sustainability. Persson family billionaires privately-held. 100K employees (from 120K). Online 30%.

Nubank vs H&M (Hennes & Mauritz)

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