How Nubank Rewrote Brazil’s Banking Rules with Cristina Junqueira

How Nubank Rewrote Brazil’s Banking Rules with Cristina Junqueira

December 4, 2025 · 27 min

About this episode

Cristina Junqueira discusses how Nubank transformed Brazil's banking landscape by prioritizing customer needs over traditional fee structures.

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 • leaders...

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