Emerging Fintech by Tony Cueva Bravo

Nubank dismantled Brazil's banking oligopoly. Here's how they do it.

Q2 2025: $3.7B revenue, 28% ROE, 122.7M customers. A forensic analysis of competitive destruction through cost structure optimization.

Sep 4 • 

Tony Cueva Bravo

1

August 2025

The Selection Imperative: Why Emerging Markets Reward Precision Over Diversification

A decade of Latin American data reveals how opportunity scarcity forces a fundamentally different investment approach than mature markets

Aug 15 • 

Tony Cueva Bravo

July 2025

A founder's guide to radical transparency: Why Noh shares everything with employees and customers | Ana Zucato (CEO & Co-founder, Noh…

Inside Noh's journey: From manual validation with 50 couples to Brazil's first white card, viral growth, and organizing every Brazilian household's…

Jul 21 • 

Tony Cueva Bravo

1:03:24

The Technical Standard Positioning to Transform Cross-Border Payments

How the X9 Standard Payment QR Code could become the infrastructure layer that finally connects the world's fragmented instant payment systems

Jul 1 • 

Tony Cueva Bravo

June 2025

Pioneering open banking in Brazil and building financial infrastructure for 5M Brazilian SMBs | Benjamin Gleason (Co-founder Kamino…

From Groupon CFO to fintech pioneer: 12 years of building, exiting, and transforming Brazilian financial ecosystem.

Jun 5 • 

Tony Cueva Bravo

1:03:56

May 2025

TymeBank's 2028 IPO Won't Happen. Here's Why I Predict Nubank Buys Them First.

A $5-8 billion acquisition will create the world's first global neobank built for emerging markets. Here's why the math is inevitable.

May 30 • 

Tony Cueva Bravo

2

4

Nubank is crushing every neobank worldwide. Here's the data that proves it.

Q1 2025: $3.25B revenue, $557M profit, 118.6M customers. These aren't regional numbers—they're global dominance.

May 23 • 

Tony Cueva Bravo

6

2

WhatsApp: The Operating System Powering Latin America's Fintech Revolution

Meeting customers where they are: The strategic advantage of using WhatsApp as a financial platform

May 6 • 

Tony Cueva Bravo

April 2025

Building Pagaleve: How Brazil's BNPL Leader Reached R$1B Volume & Profitability at 8x YoY Growth | Henrique Weaver (CEO & co-founder…

Listen now (68 mins) | Inside Pagaleve's growth engine: Building Brazil's BNPL leader with technology, talent acquisition, and strategic prioritization

Apr 28 • 

Tony Cueva Bravo

2

1:08:04

The "Fintech Premium" Effect: How Becoming a Fintech Company Boosts Valuation

In 2020, Andreessen Horowitz's general partner Angela Strange boldly predicted that "every company will be a fintech company." In her seminal article…

Apr 11 • 

Tony Cueva Bravo

2

March 2025

LatAm Fintech's Liquidity Horizon: From Past Wins to the $20B+ Pipeline Poised for Exit

After a quiet few years, is the market ready for the next wave of blockbuster fintech exits from Latin America?

Mar 31 • 

Tony Cueva Bravo

2

Klarna's IPO: A Blueprint for BNPL Success and Lessons for Latin American Players

The buy now, pay later (BNPL) industry has reached a critical inflection point with Swedish fintech giant Klarna's filing for an IPO on the New York…

Mar 21 • 

Tony Cueva Bravo

2

4