2x: Doubled profitability per customer in a neobank's Mexico launch
Card financing (bill financing and BNPL), lower fraud and a reworked acquisition funnel.
Eduardo Moore, product and growth executive in São Paulo
Building financial products in Latin America. Decoding what comes next.
I've led product and growth at Nubank, Clara, Chubb and MetLife, launching cards, Pix, credit and embedded insurance in Brazil and Mexico. I also write an operator's analysis of Latin American fintech, with quarterly research on the region's venture, debt and M&A deals.
NubankClaraChubbMetLife
Bain & CompanyLazard
MIT SloanITBA
Selected outcomes
From launch to scale. Company names are left off the figures; the case studies give the context.
50%: Retention after five months for a crypto card built from zero
Hired the team, negotiated with Visa and Mastercard, chose the processor and shipped the MVP. 30% conversion.
3x: Embedded insurance revenue inside a leading digital bank, in 18 months
Rebuilt the live purchase journeys, launched new lines and moved fraud protection into the bank's Pix flow.
2x: Brazil TPV for a B2B fintech, with NPS from 11 to 55
Launched a B2B account with Pix under Central Bank rules in four months.
Latest research
LatAm Fintech Investment Report: Q3 2026
$1.7B of debt, $589M of equity, and a quarter where strategics paid for licenses.
- $5.4B
- total capital tracked
- 62
- transactions
- 2.9x
- debt to pure equity
- 17
- M&A transactions
- Debt outraised pure equity 2.9 to 1, and the gap holds under the least favorable way of counting it.
- Mexico's quarter was a credit story: $733M of debt to Mexican lenders against $24M of disclosed pure equity.
- Santander, Equifax and Nubank paid for control and licenses: $2.8B of disclosed M&A in one quarter.
Selected writing
Brazil tightened stablecoin rules. Volume grew right through them anyway
Brazil's central bank set new rules for stablecoins, and usage kept climbing. What that says about who is using them, and for what.
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Fintech trends 2026–2027: $504B in global revenue, 15% growth in LatAm, and the seven trends running the next cycle
Global fintech trends, tested against what is actually happening in Latin America.
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Embedded insurance and digital distribution playbook
How insurance gets sold inside other companies' apps, written from the operator's seat.
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Mexico just overtook Brazil in fintech funding for the first time in a decade. Here's the full H1 2026 data
The H1 numbers country by country, and why global capital is betting that Mexico is where the next decade of LatAm digital banking is won.
Building in Latin America? Let's talk.
I talk with founders and executives about product and growth leadership in Brazil and Latin America, advise fintech, insurance and AI companies entering the region, and work with partners who want to reach the newsletter's readers.