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The banks in Brazil were so bad that we didn't need to be great. We just needed to not be terrible.
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Financial services should be simple enough that your grandmother can understand every fee she's paying.
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Everyone told us we were crazy to start a bank in Brazil. Five banks controlled everything. But that's exactly why the opportunity existed.
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Growing up in Medellin during the worst years taught me something: big problems aren't permanent if someone is stubborn enough to solve them.
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A hundred million customers chose us. Not because we had the biggest marketing budget, but because their old bank was treating them like garbage.