PLATFORM PROFILENU
Nubank
5.21
B-index (V3.1)
BLACK HOLE
Capture1.797
Escape0.345
Key Structural Insight
Being someone's only bank is maximum lock-in. Nubank competes with financial exclusion, not other fintechs.
Eleven-Parameter Profile
Data Depth8/10
Memory7/10
Action7/10
Process8/10
Network7/10
Closeness9/10
Portability3/10
Substitutability4/10
Human Fallback3/10
Org Depth6/10
Momentum8/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.7492 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.7483 | √(d · m) |
| Operability synergy σₒ | 0.7483 | √(a · p) |
| Synergy boost | 1.2245 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.3000 | 1 + 0.5·o |
| Momentum multiplier | 1.2400 | 1 + 0.3·t |
| Total Capture | 1.7967 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.3317 | CES(x, s, h) |
| Feedback attenuation | 0.7378 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.3448 | ε + escCore · feedback |
| B = Capture / Escape | 5.21 | 1.797 / 0.345 |
Scoring Rationale
First bank for 100M+ underbanked Latin Americans. Processes salary, extends credit, manages financial identity. Switching cost is existential.
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE9+1.16
FALL3-0.80
PORT3-0.80
SUB4-0.69
MEM7+0.52
ACT7+0.52
DATA8+0.48
PROC8+0.48
ORG6+0.40
NET7+0.39
MOM8+0.25
+ raises B (deepens lock-in)− lowers B (aids escape)