是的，第三只股票所属的行业与我们今天谈到的前两只股票完全不同。我想谈谈 Nu Holdings。这是 Nubank 的母公司。它是一家数字银行，于2013年在巴西成立。
Yes, stock number three belongs to a completely different sector than the two stocks we talked about today. I want to talk about Nu Holdings. This is the parent company of Nubank.
It is a digital bank that was founded in Brazil in 2013.
当时，巴西的银行业由五家老牌机构主导，它们控制着约80%的市场。此外，它们收取着世界上最高的一些费用和利率，而客户却要排队等待获得基本服务。所以，Nubank 的回应是一张免手续费的紫色信用卡，可以完全通过手机申请，这就是一个完全整合的数字银行平台的开端，如今该平台以账户、贷款、投资和保险为基础，完全建立在云基础设施之上，没有任何实体网点。
At that time, the banking sector in Brazil was dominated by five established institutions, which controlled about 80% of the market. Furthermore, they imposed some of the highest fees and rates in the world while customers were waiting to receive basic service.
So, Nubank’s response was a no-fee purple credit card that could be ordered entirely by phone, and that was the beginning of a fully integrated digital banking platform, now based on accounts, loans, investments and insurance, built entirely on a cloud infrastructure with no physical branches at all.