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Since its inception in 2014, the Brazilian fintech business Nubank has developed banking solutions for communities that previously could not or did not have access to the country's five major banks. It first created its characteristic purple credit card to alleviate excessive interest rates (up to 400 percent a year on other Brazilian credit cards) and to simplify the credit procedure with a virtual, app-based system (and no hidden fees) and is currently Brazil's sixth-largest credit card issuer. In 2017, the company expanded into high-interest savings accounts via which users can transfer money or pay bills. Last year, it introduced direct

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