AI Research Archives - Building Nubank

AI Research

Research at Nubank drives innovation by deeply understanding the needs and challenges of our customers. Our team constantly explores new technologies and methodologies to improve our products and services, ensuring that we deliver exceptional experiences. Through data-driven insights and user-centered design, we are able to stay ahead of trends, offering smarter solutions that truly make a difference.

Engineering April 15, 2026

Design at scale: how to maintain excellence when your product never stops growing

Lessons from Modeling State, Change, and Complexity with Values and Functions

Engineering March 23, 2026

Building AI agents for 131 million customers

Lessons from Modeling State, Change, and Complexity with Values and Functions

Data science & Machine Learning November 12, 2025

Explaining Financial Models by Deleting Transactions

We explain how we use the LOTO method to understand the real impact of each transaction on financial models.

Data science & Machine Learning September 17, 2025

Giving Foundation Models a Notion of Now

Exploring how encoding transaction timestamps as time deltas rather than absolute dates boosts AI model performance and generalization.

Data science & Machine Learning September 15, 2025

Muon for Improved Foundation Model Pretraining Data Efficiency

We explored how the Muon optimizer, an innovative alternative to AdamW, helps us build more efficient foundation models, with faster convergence and reduced costs.

Data science & Machine Learning August 4, 2025

The future of AI in Finance: Insights from Nubank’s Tech Leaders at Purple MinDS

Nubank leaders share how AI is shaping products, teams, and decisions. DS and MLEs play a key role in building the purple future. Read more in this blog post from Purple MinDS.