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This conversation was originally published in Nu Videocast in January 2025. It is shared here for context and perspective, and reflects the moment in which it was recorded. In this episode of the Nu Videocast, Nubank Founder and CEO David Vélez shares how the company is thinking about its priorities for 2025 and the balance between short-term execution and long-term strategy. He is joined by Leila Suan, who leads communications at Nubank, for a conversation on how the company reflects on the past year and looks ahead. The discussion covers Nubank’s business model, its three-act strategic framework for 2025, perspectives on expanding beyond core products, the role of technology and AI, and how company culture continues to shape decision-making as the organization evolves. 00:00 Introduction 00:44 Reflecting on recent priorities 04:09 Balancing short-term and long-term goals 05:41 Looking back at the past year 07:32 Scale, reach, and organizational focus 09:20 Business model and platform thinking 12:10 Framing the 2025 priorities 12:32 Act one: strengthening core financial services 15:36 Act two: expanding beyond banking 17:58 Act three: international ambition and technology 23:26 AI and future product experiences 25:17 Culture and leadership perspective 30:49 Looking ahead to 2025