How Nubank Uses Foundation Models for Financial Data | Ray on the Road – NYC 2025

Nubank is training foundation models on billions of transactions to better understand customer behavior. In this presentation, they demonstrate how they leverage first-party financial data to learn rich, general-purpose customer representations that go far beyond traditional tabular feature engineering approaches, providing deeper insights into customer financial situations for more relevant and personalized banking services.

Like traditional large language models, Nubank's research reveals how scaling laws significantly improve downstream performance in financial applications. This presentation is crucial for fintech engineers, data scientists, and financial AI researchers who want to understand how to apply modern foundation model techniques to financial data while maintaining the privacy and security standards required in banking.

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