The Ledger
Every statement that passed quotation and attribution checks. Mix any filter with any other: certainty 1/5, debate potential 5/5, or both at once.
why aren't all 12 resolved? a statement only gets an assessment when the public record can support or contradict it. opinions and what-ifs never can, and 5 checkable ones are still open, waiting for their date. predictions held up or didn't; assertions are supported or contradicted. on every card: ▮▮▮▮▮ certainty · ▮▮▮▮▮ debate potential. speakers are clickable
Velez: More Nubank-scale tech giants will emerge in LATAM within 10 years
“I do think now that the kind of the setup for more new banks in the region exists. And you'll see them over the next five to 10 years.”
Velez: Nubank sees path to become largest bank in Brazil, Mexico, Colombia
“When we go to these three countries, Brazil, Mexico, and Colombia, we go after big markets where we see a path to be Probably the largest financial institution in each one of these countries eventually, because we are the primary bank account and we become the…”
Velez: Emerging markets' fintech lead will accelerate over next 5-10 years
“And this is just the beginning. You'll see this trend just accelerating, I think, over the next five, 10 years when you start thinking about open banking, when you start thinking about the uses of crypto, when you start thinking about how, what AI could do in …”
Velez: AI private bankers will disrupt ultra-wealthy management within 10 years
“I think then AI and this vision around AI really private banker could become the catalyst for accelerating the immigration towards a fully digitalized private banker. And at that point, then you really start attacking the one percent. You really start offering…”
Velez: AI will act as a banker in every pocket, democratizing finance
“We think that AI is now the second platform shift that might actually be able to take it to its final conclusion. And so if the smartphone was the bank in every pocket, AI is the bank and the banker in every pocket. And that really is the catalyst to Enable hu…”
Velez: Nubank will expand beyond Latin America and fintech by 2028
“We would have Become the leading financial institution in Latin America, especially in these three markets. Clearly, we made that, we kind of checked that box. We've gone beyond Latin America. Not sure exactly where, but we've gone beyond in terms of internati…”
Velez: AI private bankers will surpass smartphones for Nubank interactions by 2028
“And on top of that, AI, the AI private banker, the self-driving banker is the leading platform, the leading way where consumers are interacting with us, probably even beyond the smartphone. So I think those are would be, those would be the key pieces of that.”
Velez predicts major neobank consolidation as consumers reduce financial apps
“Customers will have less apps in their phone, not more, and they will not have five banking relationships or 10 banking relationships or five different wallets. So I would expect a significant consolidation of that over the next few years”
Velez: Nubank has no growth limit and can become a global giant
“I honestly think there is no limit. It can be one of the largest companies in the world. I'm very confident with that.”
Velez: Nubank is redefining itself into a broad consumer platform
“We're in the early days of using these eighty-five million digitally only consumer base to build a marketplace to go beyond financial services and enable our customers to access non-financial services products. So this is almost a redefine of what Nubank is. M…”