Simon Taylor@sytaylor · X· 5 天前AI 评分 39Nubank 创始人兼 CEO David Vélez 表示，未来很可能在 Muse 和 Grok 中提供 Nubank 金融代理，帮助用户处理财务决策。他认为 AI 可让更多人获得个性化财务指导；代理还能在用户消费时建议储蓄或调整资金，而不必像传统预算应用那样等用户主动打开应用。
Founder and CEO @nubank, @velez_david on Nubank agents inside Muse and Grok?
"I think it is very possible that you'll have a Nubank agent inside Muse, you'll have a Nubank agent working with Grok"
"On the other end, there is a specific agent that is helping you figure out what you do with your life."
"People don't do financial education."
"We're excited about what AI could really mean for effectively enabling every person around the world to grab somebody, to grab their hand and helping them make the best financial decisions."
"When you want to do this, you might want to save a little bit, I could move this over here if you like."
Budgeting apps needed people to open them, and an agent inside a chat tool the customer already uses can suggest the move at the point of spending.
Nubank has more than 140 million customers. Now it’s taking its playbook to the US. I sat down with David Vélez, Founder and Global CEO of @Nubank, live at Nu Stadium, the day after the US launch. We get into the US launch with Lead Bank, Nu’s conditional OCC approval, and what’s under the hood of Nu Global, including Sygnum, Circle, Mastercard and Stripe. Plus AI credit models, banking agents, and the efficiency numbers that make other bank CEOs read and weep. Full interview below 👇 0:11 Nubank’s scale, efficiency, US launch, tokenization and AI 2:14 Chuck Feeney’s philanthropy and influence on David Vélez 4:13 Smart efficiency culture and Nubank’s branchless cost advantage 7:10 Hidden US banking costs and the underbanked opportunity 9:44 Nubank’s US strategy, Hispanic customers and incumbent competition 12:13 Customer obsession, NPS and long-term loyalty economics 16:48 Nu Global, stablecoin savings and international money movement 22:00 NuFormer foundation models for credit decisioning and financial AI 27:20 AI banking agents, financial guidance and cautious customer rollout 30:34 AI-driven workflow reinvention and Nubank’s flatter organization在 X 查看被引用的帖子
来源：Simon Taylor· x.com