Core Perspective - Nubank has applied for a U.S. national bank charter to expand its digital banking platform beyond Latin America, aiming to better serve existing customers in the U.S. and connect with new ones [1][3][4] Group 1: Company Strategy and Expansion - The company continues to focus on growth in existing markets, with nearly 123 million customers in Brazil, Mexico, and Colombia [4] - Nubank's strategy includes building a significant retail banking franchise in Latin America, expanding beyond financial services, and developing a global AI-driven digital banking model [6] - The subsidiary Nu Mexico has received authorization to become a bank and is awaiting final operational approval [5] Group 2: Leadership and Management - Cristina Junqueira, co-founder and chief growth officer, has relocated to the U.S. to lead the emerging business [3] - The appointment of FinTech veteran Armando Herrera as CEO of Nu Mexico is seen as a significant asset for the company's current phase [6]