Enthusiastic, enthusiastic, enthusiastic.

Competitive, curious, silly.

Silly, loving and, as an Aries, passionate.

Optimistic, nurturing, enquiring.

Now I try to protect one hour in the morning and one in the afternoon where I turn off Slack, and I don't check email. I might read, or write in a journal, or just go for a walk. It's become one of the most important parts of my day. It's when I'm most creative, and when I hit on ideas that can take the company in new directions.

In the first few months of Nubank, I asked everybody to be here by 8:00 a.m. every day. I saw it as a test of people's commitment, and I was pretty rigid about it.

I always say the Nubank story was very unlikely. It was a very low probability event. Again. We were going after these very big incumbent banks. Everybody told me, you know, you're Colombian. You have no idea what you're doing in Brazil. They're going to crush you. Like, don't. Just don't do it. And I did it mostly because everybody told me I couldn't do it. And so, if somebody tells me I can't do something, I want to go do it.

I wish I knew more about Clojure, which is the programming language we use most at Nubank. If I did, I could better understand some of the more complex problems we're trying to solve, and I think I could ask better questions when we're setting priorities. I'd like to be able to communicate at that level with the technical side of our team, and I think they would appreciate it, too.

Primero, lanzarse, incluso sin tener todas las respuestas. Segundo, tener resiliencia y disciplina, porque los mercados son volátiles. Tercero, buscar grandes problemas del consumidor. Muchas oportunidades nacen de la frustración.

Vicky, qué pregunta más difícil (risas). Voy a hablarle de los casos que nos han inspirado, como Charles Feeney, cofundador de los Duty Free Shop en los aeropuertos. Él hizo eso en los años ochenta. Se volvió uno de los hombres más ricos del mundo cuando vendió su compañía e inmediatamente se dedicó a la filantropía y gastó todo su dinero en metas sociales.