Since its founding in 2013, Nubank—one of the world’s largest digital financial services platforms—has changed how millions across Latin America manage their money, offering fee-free accounts, credit cards without annual fees, and seamless, personalized customer service. Today, Nubank serves over 114 million customers in Brazil, Mexico, and Colombia.
By leveraging AI solutions developed with OpenAI, Nubank enhances both customer experiences and internal efficiency:
## Accelerating productivity with custom enterprise search
Nubank first worked with OpenAI to create a custom enterprise search solution, giving employees quick access to FAQs, brand guidelines, and internal policies.
Powered by GPT‑4o and GPT‑4o mini, the solution integrates Retrieval-Augmented Generation (RAG) techniques to fetch and prioritize relevant documents, delivering accurate answers without any need to navigate siloed and incomplete information repositories.
The solution also uses fine-tuned models trained on Nubank’s domain-specific content and semantic search to prioritize the most relevant results for user queries.
With a chat-based interface, the tool has seen rapid adoption: over 5,000 employees use it monthly to boost productivity, accelerate onboarding, and resolve queries more efficiently.
Customer support agents, developers, and new hires all benefit from faster, more accurate access to information.
## Elevating customer service with GPT-4o
The success of enterprise search set a robust foundation for knowledge retrieval and context-aware assistance, and allowed Nubank to take on a challenge many companies face today: Maintaining exceptional customer service as their user base grew.
Together, Nubank and OpenAI developed a Call Center Copilot to assist agents in real time by integrating the bank’s knowledge base and chat history. They built the copilot using GPT‑4o, which offers real-time multimodal capabilities, like text and speech, and fast yet context-aware response times–essential for good customer support.
With the help of the copilot, agent support remains available 24 hours a day, and over 45% of Nubank agents use the copilot’s key features:
Nubank also built an AI Assistant powered by GPT‑4o to answer customers directly. The Assistant handles up to 5 automated interactions before escalating, managing over 2 million chats monthly and freeing agents for more complex issues.
These solutions help Nubank resolve queries 2.3x faster with higher accuracy, maintaining exceptional service and strong Transactional Net Promoter Scores (tNPS).
## Using vision to address and prevent fraud
As part of their continued journey to improve digital financial services for all, Nubank is piloting a solution to ensure more consistent and high-quality responses to fraud incidents with GPT‑4o vision.
GPT‑4o vision combines natural language processing with image recognition, enabling the analysis of both text and visual data. Nubank is using this technology to scrutinize transaction records, customer communications, and submitted documents, identifying patterns and anomalies indicative of potential fraud.
This analysis is done in accordance with fraud prevention policies, regulatory requirements, and oversight from dedicated teams.
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