Simon Taylor@sytaylor · X· 10 天前AI 评分 34Nubank 创始人兼全球 CEO David Vélez 表示，未来三年公司将在美国聚焦产品与市场契合度，先让首批客户真正喜爱产品，再逐步验证单位经济效益与消费者认可度。确认投资的净现值或股本回报率后，Nubank 才准备投入资金争取市场份额。
Where does @velez_david believe @nubank will be in the US in three years time?
"We're gonna be very focused on product market fit, we're gonna be much more focussed on those first customers feel incredibly excited"
"We don't go into a new market with a big bang; we like to grow things a little organically, and figure out what makes customers fanatics.
"In three years we should know if we've found the unit economics and the consumer love, and then we're prepared to invest the money to take a chunk of the market"
"We want to do it in a way we have conviction about the NPV, or the ROE of that dollar that gets invested"
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