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In this sense, in 2021, we are expanding our platform with new products such as more affordable loans, digital accounts, credit cards and insurance. Our Big Dream is moving towards fully addressing Brazilians’ financial journey, complementing the investment offering, our core and origin, with a universe of credit and banking services. For many, the difference may be subtle, but for us it is massive. Today, we are a company that aims to "transform the financial market to improve people's lives". Before, we were an investment company focused on "helping Brazilians to invest better". Our challenge in the coming years will continue to be promoting transformation in this industry ethically and respectfully, seeking what is best for the client. Some clear examples of this are always worth repeating: R$1 trillion currently sitting in Poupança (Savings Accounts), and interest charged on credit cards and loans often exceeding 10% per month.įor these reasons and many others, the opportunity we have in Brazil is probably one of the largest in the world in terms of disruption of the traditional financial sector. The Brazilian population has always been, and continues to be, hostage to a concentrated system, controlled by few participants who have no genuine concern for the quality of services or products delivered to customers. After all, until recently, almost everything was done within the five largest banks in Brazil. We played an important role in strengthening the Brazilian capital market, and we were pioneers in the development of the independent investment industry. In a traditional market, where labels meant more than purpose, that was the way to underestimate us. The challenge has always been, and will continue to be, to connect the dots in a chronological sequence while maintaining a long-term vision. Each scenario shift demanded changes, many of them severe, to adjust and adapt XP's business model. In the business world, the distance between two points is not always a straight line, but rather a zigzag.
Partnership: sharing my dream with people who complemented my background and aligning them with me for the long term.Looking back, I believe that three main pillars have marked my journey: It was by making many mistakes that I ended up finding the niche of financial education and, from this moment on, everything began to happen. The company's capital was practically non-existent, I didn’t have much experience, and everything seemingly conspired against my project. I confess that at first, I didn't think it would work. How quickly these past 20 years have passed!