Nubank, Latin America’s largest fintech bank, is headquartered in São Paulo, Brazil. It has been using AI-powered solutions developed in collaboration with the OpenAI company. The solutions made for Nubank include Custom Enterprise Search Solution, Call Centre Copilot, and AI Assistant, among others.

Such solutions have helped the fintech company to tackle challenges ranging from internal functioning to customer management, thus eventually bolstering its operations. One of the most prominent solutions built to date includes the fraud prevention system developed using GPT-4o Vision. 

Fraud Prevention 

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 marks an inflection point in the era of AI deployment to prevent things like fraud, etc., in a banking system. Although the AI system works under oversight from a dedicated team to comply with its actions along with fraud prevention policies and regulatory requirements. 

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Customer Service with GPT-4o

The companies collaborated to create a Call Center Copilot that enhances real-time agent support by integrating the bank’s knowledge base and chat history. Powered by GPT -4o, the copilot leverages real-time multimodal capabilities—such as text and speech—to deliver fast, context-aware responses crucial for effective customer service.  

With this AI-driven support, agents are available 24/7, and more than 45% of Nubank's customer service team actively uses the copilot.

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AI Assistant Powered by GPT-4o

Nubank has also developed an AI assistant powered by GPT-4o to directly assist customers. This assistant manages up to five automated interactions before escalating cases, handling over 2 million chats per month and allowing agents to focus on more complex issues.

These AI-driven solutions enable Nubank to resolve inquiries 2.3 times faster with greater accuracy, ensuring exceptional service and consistently strong Transactional Net Promoter Scores (tNPS).

Nubank’s AI-powered solutions are transforming fraud prevention and customer service, enhancing efficiency and accuracy. By leveraging GPT-4o, the fintech leader strengthens security, improves customer experiences, and sets a new standard for AI-driven banking in Latin America.