David Vélez is the co-founder and CEO of Nubank, one of the world's largest digital banks serving nearly 120 million customers across Brazil, Mexico, and Colombia. He previously worked at Goldman Sachs, Morgan Stanley, General Atlantic, and Sequoia Capital.
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Traditional branch-based banks still dominate 99% of $8T+ global financial services profit pool; 3-4 billion people remain unbanked. Nubank's cloud-native, branchless model with 20x cost efficiency positions it to capture massive share as markets digitalize over next two decades.