How Nubank Uses Foundation Models for Financial Data

Discover how Nubank is revolutionizing financial services by training foundation models on billions of transactions to gain deeper insights into customer behavior. This 21-minute presentation from Ray on the Road – NYC 2025 explores how the company leverages first-party financial data to develop rich, general-purpose customer representations that transcend traditional tabular feature engineering approaches. Learn about the scaling laws that, similar to large language models, significantly improve downstream performance in financial applications. Gain valuable knowledge about applying modern foundation model techniques to financial data while maintaining the strict privacy and security standards essential in banking. Essential viewing for fintech engineers, data scientists, and financial AI researchers seeking to understand the transformative potential of AI in financial services.