Nubank's AI credit model drives 55% YoY net interest income growth to $2.8B

Latin America's largest fintech expanded its use of an AI-powered credit model, pushing net interest income up 55% YoY to $2.8B in Q4. The adjusted net interest margin gained 0.6 percentage points to 10.5%. The results show AI credit scoring translating directly into financial performance at institutional scale, with Nubank's system enabling more accurate risk assessment while maintaining healthy margins.

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