Welcome to the fourth instalment of our Founder Sessions series. We're joined by David Velez, the Founder and CEO of Nubank, the leading financial technology company in Latin America. Nubank has 5 million credit card customers, 2.5 million bank account customers and has raised $420 million from investors including Sequoia, Tencent, Tiger Global, QED, Founders Fund and more. Before founding Nubank in 2013, David was a Partner at Sequoia in charge of the firm's Latin American investments. Before Sequoia, David worked in investment banking and growth equity at Goldman, Morgan Stanley and General Atlantic. As always, connect with us onTwitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, David Velez.