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