My conversation with David Vélez (@velez_david), founder and CEO of Nubank. The last time we did this was five years ago, and Nubank had 35 million customers. Today it has over 140 million, and it has just announced it's coming to the US. David now talks about expanding to 100 countries and reaching a billion customers. We discuss: - State and future of global banking - Agents as a customer segment - Going from one direct report to 20 - How he's rebuilding the company with AI - Where…