We sit down with Nubank co-founder Cristina Junqueira for a candid look at how frustration with fee-first banking led to a product people loved, and how that vision scaled across Brazil. We explore hard-won lessons on leadership, communication, regulation, and why AI plus open finance will reshape money.
• leaving an incumbent bank to build customer-first products
• forming the founding team and starting with nothing
• operating through credit cycles, fraud pressure and regulation
• leadership growth, emotional intelligence and storytelling
• selling the vision internally and externally
• customer impact from fair credit and savings features
• Brazil’s policy tailwinds with PIX and open finance
• AI as a financial co-pilot and US expansion plans
