The CTO Podcast with Fexingo · 2026-08-13 · 9 min
Episode 154 of The CTO Podcast dives into how Nubank, the Brazilian digital bank, balances hyper-growth with cost discipline. Lucas and Luna explore the specific engineering choices - from a monolithic core to a multi-cloud strategy - that let Nubank scale to over 80 million customers while keeping cloud costs in check. They break down the numbers: a cost-per-active-customer metric that's half of traditional banks, a 25 percent reduction in cloud spend per transaction, and the migration of 90 percent of workloads to a custom-built platform. They also discuss the trade-offs: when to build vs. buy, the role of a dedicated cost optimization team, and the cultural shift that made engineers think about the cost of every API call. Listeners will walk away with a concrete framework for measuring engineering efficiency and a case study that proves cost optimization doesn't have to slow down innovation.
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