Private Finance Blog is really more like record of my thoughts.

 The earlier posts are incoherent(2018 and earlier). It was really a structure that I was supposed to finish but didn't bother. The structure turns me off. It's better to just type in a conversational way.


What other ideas do I have?


Nubank is super interesting. I did some research on it, but the growth rates are just popping out at me. This is very much a blue chip company disrupting the latin america banking sector.


They are gaining 15 to 20 million users every single year. They surpassed 100million recently. Mostly in Brazil and Mexico. The growth of the users is on top of the growth in the products. It becomes exponential. A growth of 20% in users and an expansion of the services provided to overall users grows by another 25%. Actual growth at the topline is (1.2*1.25=1.5)50%. Its growing explosively


 I'll continue this later.


This is really just a short of what the CEO, David Velez has stated in several interviews. The Brazil banking system is ripe for disruption as the incumbent banks do not serve the customers in an efficient way. Opening accounts take a long time, there are armed guards guarding and its just a very inefficient system. There is a lot of deadwood in the system as the incumbent banks have an oligopoly over the banking system.

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