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.

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.

Software Engineering July 30, 2025

Pioneering the Future of Work: How Nubank is Transforming HR with AI

Instead of seeing AI as a tool just for automation, we view it as a catalyst — unlocking smarter decisions, freeing up time for more meaningful human interactions, and helping us scale without losing the essence of who we are.

Data science & Machine Learning July 29, 2025

Optimizing User Narratives for Foundation Models

Nubank optimizes data representation for its AI models by treating information selection and its representation as a hyperparameter search. This approach reduces the effort required to incorporate new data and significantly improves model performance.

Software Engineering June 11, 2025

Building Foundation Models into Nubank’s AI Platform

We’ve advanced in adopting Predictive Foundation Models on our AI Platform, enabling large-scale sequence model decisions. This is a key step toward Nubank’s AI-First vision.