How Nubank Advertises on Meta

# Ad summary This ad promotes a credit card by showing a hand holding the card and highlighting the benefit of the card's limit turning into account balance. It uses a clean, modern design with a focus on the card's unique color and the ease of acquiring it. # Brand positioning The brand is presented as a modern, innovative financial institution that simplifies banking and offers unique benefits to its customers. It aims to occupy a space in the consumer's mind as a forward-thinking alternative to traditional banking, emphasizing ease of use and customer-centric features. The brand aligns with values of convenience and financial empowerment, pushing against the norms of complex banking processes. The brand positioning is both functional (offering practical financial solutions) and emotional (appealing to the desire for simplicity and control over one's finances). # Product The product is a credit card that offers the unique benefit of converting the card's credit limit into an available account balance. The card is designed for individuals seeking a modern, user-friendly financial solution. The ad highlights the USP of the credit limit becoming an account balance, suggesting flexibility and control over funds. The ad addresses the purchase barrier of traditional credit card limitations by offering a more versatile financial tool. The card is purple with the brand's logo and the cardholder's name printed on it. The ad aims to convey that this product is worth trying because it provides a seamless and flexible way to manage finances. # Visual style The ad has a clean, modern aesthetic with a focus on the product. The production quality is high, with professional lighting and a blurred background to draw attention to the credit card. The visual motif is simple and direct, emphasizing the card's design and the key message. The image treatment includes background blurring and color enhancement to make the purple card stand out. The typography is clean and legible, contributing to the overall modern feel. # Hooks Headline: Seu limite do cartão vira saldo na conta. # Funnel stage Middle of funnel (Consideration) # Pain points None used. # Value propositions - The card's limit becomes account balance, offering flexibility and control over funds. # Benefits - vira saldo na conta # Features - Seu limite do cartão # Call to action Peça seu cartão # Social proof - None used. # Point of view - Brand: The entire ad is presented from the brand's perspective, showcasing the product and its key features while encouraging viewers to order the card. # Storyline - The ad opens with a visual of a hand holding the credit card, immediately drawing attention to the product. This is from the brand's perspective, showcasing the card in a real-world context to emphasize its tangible presence and design appeal. - The central message highlights the unique feature of the card: 'Seu limite do cartão vira saldo na conta' (Your card limit becomes account balance). This is told from the brand's perspective, emphasizing the key benefit of the product and setting it apart from traditional credit cards. - The ad concludes with a call to action, 'Peça seu cartão' (Order your card), prompting the viewer to take the next step. This is from the brand's perspective, driving immediate engagement and conversion.

# Ad summary This ad features a split screen of a man talking on the phone with himself, dressed as a woman. The man is asking for money and the woman is telling him to use Nubank. # Brand positioning Nubank is presented as a modern, digital banking solution that offers innovative features to help users manage their finances more effectively. The brand aims to occupy a space in the consumer's mind as a convenient and reliable alternative to traditional banking, particularly for those seeking solutions for everyday financial challenges. Nubank aligns with values of simplicity, accessibility, and problem-solving, promoting a lifestyle where financial management is easy and stress-free. The brand pushes against the norms of traditional banking by offering digital solutions and benefits tailored to the needs of modern consumers. The brand positioning is functional, focusing on providing practical solutions and benefits to its users. # Product The featured product is Nubank, a digital banking platform that offers solutions and benefits to its users. The ad highlights a specific feature that allows users to transform their credit card limit into account balance, which can be used in emergencies. This feature is presented as a way to solve financial problems and provide solutions when needed. The ad targets individuals who may face financial emergencies or need flexible banking solutions. Nubank is portrayed as a convenient and accessible option for managing finances and accessing funds when necessary. The ad addresses the purchase barrier of not having immediate access to funds by showcasing the ability to convert credit limit into account balance. # Visual style The ad has a simple and straightforward aesthetic, with a focus on clear visuals and direct communication. The editing style consists of static shots and smooth transitions, creating a polished commercial feel. The production quality is high, with good lighting and clear audio. The pacing is consistent throughout the ad, with a moderate tempo that keeps the viewer engaged. # Hooks Spoken: Male 1: Irmãzuxa! Text overlay: Irmãzuxa! Visual: 00:00–00:01: The screen is split in half. On the bottom half, a Black man with a purple durag and a white tank top is sitting on a brown couch, talking on the phone. Behind him is a white wall, a potted plant on a wooden cabinet, and a brown couch. On the top half, a Black man with long black hair and a purple t-shirt is standing in front of a white door, talking on the phone. Behind him is a white wall and a potted plant on a wooden cabinet. # Funnel stage Middle of funnel (Consideration) # Pain points The ad implies the pain point of not having immediate access to funds when facing financial emergencies, such as needing to pay a locksmith who doesn't accept credit. # Value propositions - Nubank allows you to transform your credit card limit into account balance, providing a solution for financial emergencies. # Benefits - Solve financial problems - Provide solutions in emergencies # Features - Transform your credit card limit into account balance # Call to action Tá esperando o que pra pedir o seu cartão Nubank? # Social proof - None used. # Point of view - Brand 50% – The brand voice is used to explain the features and benefits of Nubank. - Customer 50% – The customer is portrayed as someone who needs financial assistance and is being advised to use Nubank. # Storyline - 00:00–00:01 The man calls his sister to ask for money. - 00:01–00:02 The sister guesses that the locksmith doesn't accept credit. - 00:02–00:07 The sister tells the man to use Nubank to transform his credit card limit into account balance. - 00:07–00:11 The sister says that Nubank is for emergencies and has solutions and benefits. - 00:11–00:13 The sister asks the man what he is waiting for to ask for his Nubank card. - 00:13–00:14 The man asks if Andre is there.

# Ad summary This ad features a black and white scene with a detective and a woman. The woman tells the detective that he was able to solve the case because he has a Nubank card, which has no annuity, tariffs, and makes your money yield every month. # Brand positioning Nubank is presented as a modern and innovative financial institution that challenges traditional banking norms. The brand is positioned as being ahead of its time, offering financial solutions that are simple, accessible, and beneficial to its customers. Nubank aims to occupy the space of a customer-centric, forward-thinking alternative to traditional banks, emphasizing transparency, convenience, and financial growth for its users. The brand aligns with values of modernity, simplicity, and financial empowerment, pushing against the norms of traditional banking by eliminating fees and promoting financial growth. # Product The Nubank card is a credit card that offers several benefits to its users. It has no annuity or tariffs, making it a cost-effective option for consumers. Additionally, it allows users to make their money yield every month, providing an opportunity for financial growth. The card is designed for individuals who want a modern, transparent, and beneficial financial solution. The ad addresses the purchase barriers of traditional credit cards by highlighting the absence of fees and the potential for financial growth, making it an attractive option for those seeking a more customer-friendly banking experience. # Visual style The ad has a polished, high-end production quality with a classic film noir aesthetic. The editing style consists of static shots and smooth transitions, creating a seamless viewing experience. The visual motif of black and white cinematography enhances the vintage detective theme. The pacing is consistent, maintaining a steady rhythm throughout the ad. The audio-visual sync is well-coordinated, with voiceover lines timed to match the visuals. # Hooks Spoken: 00:01–00:02 [Normal] Eu sabia que você resolveria esse caso. Text overlay: 00:01–00:02 Eu sabia que você resolveria esse caso. Visual: 00:00–00:01 A black and white shot shows a man dressed as a detective sitting at a desk with his feet up. He is wearing a trench coat, tie, and has a mustache. On the desk are papers, a hat, a phone, and a purple Nubank card. The background includes window blinds and a lamp, creating a classic detective office setting. The camera is stationary. / 00:01–00:02 A woman dressed in a white blouse and black skirt enters the frame and hands the detective a white envelope. The setting remains the same, with the detective sitting at his desk. The camera angle shifts slightly to capture both characters. # Funnel stage Middle of funnel (Consideration) # Pain points The ad implies that traditional credit cards have hidden fees and do not offer opportunities for financial growth. This is signaled by the woman stating that the Nubank card has no annuity or tariffs. # Value propositions - The Nubank card has no annuity or tariffs, making it a cost-effective option. - The Nubank card makes your money yield every month, providing an opportunity for financial growth. # Benefits - Faz seu dinheiro render todo mês # Features - No annuity - No tariffs # Call to action Abra já sua conta. # Social proof - "Eu sabia que você resolveria esse caso" – Woman (Customer) # Point of view - Brand 100% – The entire ad is told from the brand's perspective, showcasing the benefits of the Nubank card through a narrative. # Storyline - 00:00–00:02 00:00–00:02 The scene opens with a detective sitting at his desk, feet up, in a black and white setting reminiscent of a classic film noir. A woman enters, handing him a letter and expressing her confidence that he would solve the case. This sets up a sense of mystery and intrigue, positioning the detective as a capable problem-solver. - 00:02–00:04 00:02–00:04 The detective questions how he solved the case, stating that it was impossible to resolve. This creates a moment of suspense and curiosity, implying that there is something unique about the detective's approach. - 00:04–00:10 00:04–00:10 The woman reveals that the detective was able to solve the case because he has a Nubank card, which has no annuity, tariffs, and makes your money yield every month. This serves as the reveal of the product's key benefits, positioning the Nubank card as a tool for success and financial empowerment. - 00:10–00:12 00:10–00:12 The woman states that she knew he was ahead of his time. This reinforces the brand's positioning as innovative and forward-thinking, aligning the detective with the values of modernity and progress. - 00:12–00:14 00:12–00:14 The detective smiles, acknowledging the compliment, followed by the Nubank logo and a call to action to open an account. This provides a clear and direct prompt for viewers to engage with the brand and take the next step.

# Ad summary This ad promotes Nubank, highlighting its benefits of no fees and no annuity. It positions Nubank as the intelligent choice for everyday financial needs, encouraging viewers to open an account. # Brand positioning Nubank is presented as a modern and intelligent banking solution that challenges traditional banking norms by offering a fee-free and annuity-free experience. The brand aims to occupy the space of a user-friendly, accessible, and cost-effective alternative to traditional banks. It aligns with a lifestyle of convenience and smart financial management, pushing against the complexity and costs often associated with traditional banking. The brand positioning is both functional, emphasizing simplicity and cost savings, and emotional, promoting a sense of empowerment and control over one's finances. # Product Nubank is a digital banking platform that offers a no-fee account and a credit card with no annuity fees. The product is designed for individuals seeking a straightforward and cost-effective banking solution. The ad explicitly states the absence of fees and annuity, addressing common purchase barriers associated with traditional banking services. The Nubank app, shown on a smartphone screen, allows users to manage their accounts, make payments via Pix, transfer funds, and deposit money. The ad highlights Nubank as an intelligent choice for everyday financial needs, emphasizing its user-friendly interface and cost-saving benefits. # Visual style The ad has a polished and clean aesthetic with a consistent purple color scheme. The editing style is smooth with static shots and clear transitions. The production quality is high, resembling a professional commercial. The pacing is consistent, maintaining a steady rhythm throughout the ad. # Hooks Spoken: 00:00–00:03: Aproveite uma conta sem tarifas. Text overlay: 00:00–00:03: Aproveite uma conta / 00:01–00:03: sem tarifas. Visual: 00:00–00:03: A smartphone displays the Nubank app interface, showing account details and options like Pix, paying, transferring, and depositing. Next to the phone is a purple Nubank credit card with the name 'Gabriela Lima' on it. The background is a solid purple color with a dotted line pattern at the top and bottom. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of traditional banking fees and annuity charges, which can be a burden for many individuals. # Value propositions - Fee-free account: Save money on banking fees. - Annuity-free credit card: Avoid annual credit card charges. - Intelligent choice: Make smart financial decisions with a user-friendly platform. # Benefits - Cost savings - Intelligent choice for everyday financial needs # Features - No-fee account - Credit card with no annuity # Call to action Abra sua conta. # Social proof - None used. # Point of view - Brand 100% – The ad is presented from the official voice of Nubank, highlighting its features and benefits. # Storyline - 00:00–00:02 The ad opens with a visual of the Nubank app interface on a smartphone and a Nubank credit card, immediately establishing the product and brand identity. - 00:00–00:03 A voiceover highlights the benefit of a fee-free account, reinforcing the brand's value proposition of accessible banking. - 00:03–00:06 The ad continues to emphasize the absence of annuity fees for the credit card, further solidifying the cost-saving benefits of Nubank. - 00:06–00:10 The ad positions Nubank as the intelligent choice for everyday financial needs, aiming to create a perception of the brand as a smart and practical solution. - 00:10–00:12 The ad concludes with a call to action, encouraging viewers to open an account, prompting immediate engagement.

# Ad summary This ad promotes Nubank's credit card feature that allows users to pay with PIX in installments. The ad features a man explaining how you can buy a ticket to a show and pay for it in installments using Nubank's credit card. # Brand positioning Nubank is presented as a modern and accessible financial institution that empowers its customers with innovative solutions. The brand is positioned as a forward-thinking alternative to traditional banking, offering a seamless and user-friendly experience through its app. Nubank aligns with values of convenience, flexibility, and financial control, promoting a lifestyle where customers can easily manage their finances and make purchases in a way that suits their needs. The brand pushes against the norms of rigid payment options by offering the ability to pay with PIX in installments, providing a functional benefit that enhances the customer's purchasing power and financial flexibility. Nubank aims to occupy the space of a customer-centric, tech-savvy financial partner that prioritizes simplicity and convenience. # Product The featured product is Nubank's credit card, which offers the unique ability to pay with PIX in installments. This feature allows users to make purchases using PIX, a popular instant payment system in Brazil, and then divide the payment into multiple installments using their Nubank credit card. The product is for anyone who wants to purchase items or services from platforms that do not offer installment options directly. The key USP is the flexibility to pay for purchases in up to 12 installments directly through the Nubank app. This addresses the purchase barrier of limited payment options on certain platforms, making it easier for customers to afford and manage their expenses. The ad highlights the convenience and accessibility of this feature, emphasizing that it's easy to apply for a Nubank credit card and start using the PIX installment option. # Visual style The ad has a modern and clean aesthetic with a mix of studio and outdoor shots. The editing style includes quick cuts and smooth transitions. The production quality is polished, giving it a professional commercial feel. The pacing is consistent throughout the ad, with cuts timed to the voiceover lines. # Hooks Spoken: 00:00–00:03: Sabia que com PIX no crédito dá pra parcelar? E isso te dá uma vantagem. Text overlay: 00:00–00:03: PIX NO CRÉDITO / 00:00–00:03: e isso te dá / 00:00–00:03: uma vantagem Visual: 00:00–00:03: A man with fair skin, light brown hair, and a beard is sitting at a desk. He is wearing a black t-shirt and looking directly at the camera. Behind him is a dark blue wall and a lamp with a white shade. The camera is stationary and focused on the man's face. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of not being able to pay in installments on certain platforms. "A plataforma não parcela." # Value propositions - Pay with PIX in installments: This feature allows users to make purchases using PIX and then divide the payment into multiple installments using their Nubank credit card. - Pay in up to 12 installments using the Nubank app: This offers the flexibility to pay for purchases in up to 12 installments directly through the Nubank app. # Benefits - Flexibility to pay for purchases in installments - Convenience of using PIX for payments - Easy access to credit through the Nubank app # Features - Pay with PIX in installments - Pay in up to 12 installments using the Nubank app # Call to action É só pedir o seu cartão de crédito Nubank. # Social proof - None used. # Point of view - Brand 100% – The entire ad is delivered from the brand's perspective, with a man explaining the benefits of using Nubank's credit card feature. # Storyline - 00:00–00:02 The ad begins with a man directly addressing the viewer, asking if they knew that they can pay with PIX in installments using a credit card. - 00:02–00:03 The man states that this gives the viewer an advantage, setting up the premise of the ad. - 00:03–00:05 The ad transitions to a shot of a hand drawing a ticket in a notebook, representing a ticket to a show that the viewer wants to attend. - 00:05–00:07 The man explains that there is a problem: the platform does not offer installment options. - 00:07–00:10 The ad transitions back to the man, who asks why not buy the ticket with PIX using a credit card and pay in installments. - 00:10–00:12 The ad shows a hand writing "12x NO App Nubank" in a notebook, emphasizing the option to pay in up to 12 installments using the Nubank app. - 00:12–00:14 The man concludes by saying that all you have to do is apply for a Nubank credit card.

# Ad summary This ad for Nubank promotes its fee-free accounts and credit cards. It features a phone displaying the Nubank app interface and a Nubank credit card. # Brand positioning Nubank is presented as a modern, accessible, and transparent financial institution. The brand emphasizes simplicity and affordability by highlighting the absence of fees and annual charges. The use of a clean, digital interface and a sleek, purple credit card suggests a tech-forward approach, appealing to customers who value convenience and ease of use in their banking experience. Nubank aims to occupy the space of a user-friendly, cost-effective alternative to traditional banking, aligning with a lifestyle that values financial freedom and modern technology. # Product The ad features Nubank's digital banking services, emphasizing its fee-free accounts and credit cards. The product is designed for individuals seeking a modern, accessible banking solution without the burden of traditional fees. The Nubank account, as shown on the phone screen, allows users to manage their finances, view their balance (R$ 1.356,98), make payments, transfer funds, and deposit money. The Nubank credit card is presented as a sleek, purple card with the cardholder's name (Gabriela Lima) and the Nubank logo. A key selling point is the absence of annual fees, addressing a common barrier to entry for credit card users. The ad highlights the convenience and cost-effectiveness of Nubank's services, positioning it as a user-friendly alternative to traditional banking. # Visual style The ad has a clean and modern visual style, characterized by a simple layout, a consistent purple color scheme, and soft lighting. The production quality is high, with polished product shots and a focus on digital accessibility. The visual motifs include a focus on the Nubank app interface and credit card, emphasizing the brand's digital-first approach. The typography is clean and legible, contributing to the overall sense of simplicity and transparency. The style is designed to be scannable and eye-catching in a social media feed, with a clear value proposition and a direct call to action. # Hooks Headline: Conta sem tarifas, cartão sem anuidade. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of traditional banking fees and annual credit card charges. The phrase "Conta sem tarifas, cartão sem anuidade" directly counters this pain point. # Value propositions - Fee-free banking: By eliminating account fees and annual credit card charges, Nubank offers a cost-effective alternative to traditional banking. # Benefits - No account fees - No annual credit card charges # Features - Conta sem tarifas - Cartão sem anuidade # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand: The entire ad is presented from the brand's perspective, showcasing the features and benefits of Nubank's services. # Storyline - The ad opens by highlighting Nubank's key benefits: no fees for the account and no annual charges for the credit card. This is intended to immediately grab the viewer's attention by addressing a common pain point in banking. The brand is telling the audience why they should consider Nubank. - The ad then showcases a smartphone displaying the Nubank app interface, along with a Nubank credit card. This provides a visual representation of the product and its digital accessibility. The brand is showing the audience the ease of use and modern design of its services. - The ad concludes with a call to action, inviting viewers to open an account. This is intended to prompt immediate action and drive conversions. The brand is directly encouraging the audience to engage with their product.

# Ad summary This ad promotes Nubank, highlighting its feature that allows users to transform their credit card limit into account balance. The ad emphasizes the ease and speed of the process, encouraging viewers to open an account. # Brand positioning Nubank is presented as a modern and helpful financial institution that simplifies banking for its customers. The brand is positioned as a solution for unexpected financial needs, offering a quick and easy way to access funds by converting credit card limits into account balance. Nubank aligns with a lifestyle of convenience and accessibility, pushing against traditional banking norms by providing instant solutions. The brand positioning is both functional (providing a practical financial tool) and emotional (offering peace of mind and ease of use). # Product The featured product is Nubank's service that allows users to transform their credit card limit into account balance. This feature enables users to quickly access funds in case of unexpected expenses. The ad highlights that the process is easy, fast, and the balance is available instantly. The product is for Nubank account holders who need immediate access to funds and want to utilize their credit card limit as a source of available balance. The ad addresses the purchase barrier of immediate financial needs by offering a solution that provides instant access to funds. # Visual style The ad has a clean and modern aesthetic with a consistent color scheme of white and purple. The editing style is simple with static shots and smooth transitions. The production quality is polished, giving it a commercial feel. The pacing is consistent, with each shot clearly conveying its message. The visuals are synced with the voiceover, reinforcing the key points. # Hooks Spoken: 00:00–00:03 Surgiu um imprevisto? [Normal delivery] / 00:02–00:03 O Nubank te ajuda. [Normal delivery] Text overlay: 00:00–00:03 Surgiu um imprevisto? / 00:02–00:03 O Nubank te ajuda. Visual: 00:00–00:03 The shot features a white frame with dotted lines around the edges. On the left, the text "Surgiu um imprevisto? O Nubank te ajuda." is displayed. On the right, there's a purple background with a Nubank credit card and a smartphone showing a screen asking how much balance to add to the account, with the amount R$ 120,00 entered. The camera is static, providing a clear view of the product and text. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the pain point of unexpected financial needs. "Surgiu um imprevisto?" (An unexpected event arose?) signals the frustration of sudden expenses or financial emergencies. # Value propositions - Transform your credit card limit into account balance for immediate access to funds. - Easy and fast process ensures quick and convenient access to your money. - Instant balance availability provides immediate financial solutions. # Benefits - Quick access to funds - Convenience - Instant balance availability # Features - Transform the card limit into balance in the account - Easy - Fast - Falls on time # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand 100% – The entire ad is delivered from the official voice of Nubank, showcasing its features and benefits. # Storyline - 00:00–00:03 00:00–00:03 The ad opens with the question, "Surgiu um imprevisto?" (An unexpected event arose?). This is followed by the statement, "O Nubank te ajuda" (Nubank helps you). The message is intended to convey that Nubank is a solution for unexpected financial situations. The perspective is from the brand, offering assistance and support. The tone is reassuring and helpful. - 00:04–00:07 00:04–00:07 The ad states, "Transforme o limite do cartão em saldo na conta" (Transform the card limit into balance in the account). This explains the core feature of the product, which is converting credit card limit into available account balance. The message is from the brand, explaining the product's functionality. The tone is informative and straightforward. - 00:08–00:10 00:08–00:10 The ad highlights the benefits: "Fácil, rápido e cai na hora" (Easy, fast, and falls on time). This emphasizes the convenience and speed of the service. The message is from the brand, promoting the product's ease of use and efficiency. The tone is enthusiastic and positive. - 00:11–00:12 00:11–00:12 The ad concludes with a call to action: "Abra sua conta" (Open your account). This encourages viewers to sign up for Nubank to access the featured service. The message is from the brand, inviting viewers to become customers. The tone is inviting and direct.

# Ad summary This ad for NuBank promotes the ability to transfer credit card limit to account balance. It features a phone displaying the NuBank app and a NuBank credit card. # Brand positioning NuBank is presented as a modern, digital-first financial institution that challenges traditional banking norms. The brand aims to occupy a space in the consumer's mind as an innovative and accessible alternative to traditional banks. The brand's values align with simplicity, convenience, and technological advancement, promoting a lifestyle of ease and control over one's finances. NuBank pushes against the complexity and inaccessibility often associated with traditional banking, offering a streamlined, user-friendly experience through its digital platform. The brand positioning is both functional, emphasizing the ease of managing finances, and emotional, empowering users with greater control and flexibility. # Product The featured product is the NuBank digital banking service, which allows users to transfer their credit card limit to their account balance. This feature enables users to increase their available funds by leveraging their existing credit line. The service is designed for individuals who want greater flexibility and control over their finances, offering a seamless way to manage their money through a mobile app. The ad highlights the ease of adding funds to the account, addressing the potential barrier of limited access to cash or immediate funds. The ad promotes the idea that this product is worth trying or buying because it provides a convenient and accessible way to manage and increase available funds. # Visual style The ad has a clean and modern visual aesthetic. The production quality is high, with studio-shot images and a minimalist design. The visual motifs include a focus on the product and app interface, with a consistent color scheme of purple and white. The image treatment includes background removal and clear lighting. The typography is large and bold, making it easy to read. The style is platform-native, resembling a typical in-feed ad. # Hooks Headline: Transforme o limite do cartão em saldo na conta. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the pain point of limited access to funds by offering a way to increase available balance by transferring credit card limit to the account. The question "Quanto saldo você quer adicionar na sua conta?" implies the user may need to add funds. # Value propositions - Transform credit card limit into account balance for greater financial flexibility # Benefits - Ability to transfer credit card limit to account balance # Features - Transforme o limite do cartão em saldo na conta # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand: The brand's POV is present in the headline and the call to action, as it is promoting the product and encouraging viewers to open an account. - Customer: The customer's POV is present in the phone screen display, as it shows the user interface and the process of adding funds to the account. # Storyline - The ad begins by highlighting the core value proposition: the ability to transform the credit card limit into account balance. This is told from the brand's perspective, setting the stage for the product's key benefit. - Next, the ad shows a phone screen displaying the NuBank app, where the user is prompted to enter the amount they want to add to their account. The amount shown is R$ 120,00. This is shown from the customer's perspective, demonstrating the ease and simplicity of the process. - Finally, the ad concludes with a call to action to open an account. This is told from the brand's perspective, encouraging viewers to take the next step and engage with the product.

# Ad summary This ad promotes Nubank's Pix payment option, which allows users to make payments on credit and in installments. # Brand positioning Nubank is presented as a modern and accessible digital banking solution. The brand is positioned as innovative, offering convenient financial services that adapt to the user's needs. Nubank aims to occupy a space in the consumer's mind as a hassle-free, tech-forward alternative to traditional banking. The brand promotes simplicity and ease of use, pushing against the complexity often associated with traditional financial institutions. Nubank's positioning is both functional, providing efficient payment solutions, and emotional, empowering users with financial flexibility. # Product The featured product is Nubank's Pix payment option, which allows users to make instant transfers and payments using their credit card. This service enables users to pay with Pix even when they don't have sufficient balance in their account. The ad highlights the ability to pay in installments up to 12 times, providing financial flexibility. The product is for Nubank account holders who want to use Pix payments but may not always have the necessary funds available. The ad addresses the purchase barrier of insufficient funds by offering a credit-based solution, making Pix payments more accessible and convenient. # Visual style The ad has a clean and modern aesthetic with a focus on the brand's signature purple color. The editing style is smooth with static shots and clear transitions. The production quality is polished, giving it a commercial feel. The pacing is consistent, with each shot timed to deliver key information efficiently. The audio-visual sync is well-coordinated, with text and product actions timed to the voiceover. # Hooks Spoken: 00:01–00:04 Pagar no Pix tem desconto, mas tá sem saldo? Text overlay: 00:01–00:04 Pagar no Pix tem desconto, mas tá sem saldo? Visual: 00:00–00:03 Close-up shot of a dark-skinned hand holding a white smartphone with a Nubank card displayed on the screen. The phone is being used to make a contactless payment at a black point-of-sale terminal on a stainless steel counter. The background is blurred, suggesting a retail environment. The lighting is bright and even. The camera is stationary, providing a clear view of the transaction. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of not having enough funds available to make a Pix payment. "Pagar no Pix tem desconto, mas tá sem saldo?" (Paying with Pix has a discount, but you're out of balance?) # Value propositions - Convenient Pix payments on credit: Enables users to make instant transfers even when they don't have enough funds. - Flexible installment options: Allows users to pay in up to 12 installments, providing financial flexibility. # Benefits - Pay with Pix even without sufficient balance - Financial flexibility with installment options # Features - Pix payments on credit - Installment payments up to 12x # Call to action Abra sua conta. (Open your account.) # Social proof - None used. # Point of view - Customer 10% – The ad shows a customer making a payment, implying a user experience. - Brand 90% – The ad uses direct claims and demos to promote the product. # Storyline - 00:00–00:03 00:00–00:03 The ad opens with a close-up of a person using a smartphone to make a Pix payment at a point-of-sale terminal. The message conveyed is that Pix payments are common and convenient. The perspective is from an observer, showing a real-life transaction. The tone is casual and relatable. - 00:03–00:05 00:03–00:05 The ad transitions to a graphic of two Nubank credit cards against a purple background. The message is to introduce the solution: Pix payments on credit. The perspective shifts to the brand, presenting its product. The tone is informative and problem-solving. - 00:05–00:09 00:05–00:09 The ad shows a smartphone screen displaying the Nubank app interface, highlighting the option to pay in installments up to 12 times. The message is to emphasize the flexibility and convenience of the service. The perspective is from the brand, showcasing the app's features. The tone is promotional and benefit-oriented. - 00:09–00:12 00:09–00:12 The ad displays a smartphone screen confirming a successful transfer, followed by a call to action to open a Nubank account. The message is to encourage viewers to sign up and start using the service. The perspective is from the brand, directly addressing the audience. The tone is inviting and action-oriented.

# Ad summary This ad promotes Nubank's Pix feature, which allows users to make payments using their credit card limit. The ad features a person making a payment with their phone at a point-of-sale terminal. # Brand positioning Nubank is presented as a modern and innovative financial institution that offers convenient and accessible financial solutions. The brand aims to occupy a space in the consumer's mind as a forward-thinking alternative to traditional banking, emphasizing ease of use and technological integration. Nubank aligns with values of simplicity, efficiency, and accessibility, promoting a lifestyle of modern convenience. The brand pushes against the norms of traditional banking by offering digital-first solutions and a user-friendly experience. The brand positioning is both functional (providing efficient payment solutions) and emotional (offering a sense of empowerment and convenience). # Product The featured product is Nubank's Pix feature, which allows users to make payments using their credit card limit. Pix is a payment system that enables instant transfers between bank accounts. The product is for Nubank customers who want a convenient and flexible way to make payments. The ad highlights the ability to use the credit card limit for Pix transactions, offering an alternative to traditional bank transfers. The USP is the integration of Pix with the credit card limit, providing users with more financial flexibility. The ad shows a use occasion of making a payment at a point-of-sale terminal. The ad addresses the purchase barrier of limited payment options by offering a convenient alternative. # Visual style The ad has a clean and modern visual style with a focus on the product in use. The color palette is dominated by purple and white, which are the brand colors of Nubank. The image is well-lit and professionally shot, giving it a polished look. The use of blurred backgrounds and shallow depth of field helps to draw attention to the product and the action of making a payment. # Hooks Headline: Faça Pix com o limite do seu cartão. # Funnel stage Middle of funnel (Consideration) # Pain points Limited payment options: The ad addresses the frustration of not having enough payment options by offering Pix with the credit card limit. # Value propositions - Use your credit card limit for Pix payments # Benefits - Convenient payments - Flexible payment options # Features - Pix with credit card limit # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand: The headline and call to action are presented from the brand's perspective to introduce the product and encourage viewers to take action. - Customer: The visual of a person making a payment is presented from the customer's perspective to demonstrate the product in action and illustrate its ease of use. # Storyline - The ad opens with a headline that introduces the Nubank Pix feature, highlighting the ability to use the credit card limit for payments. This is told from the brand's perspective to grab the viewer's attention and introduce the product's key benefit. - The ad then shows a visual of a person making a payment with their phone at a point-of-sale terminal. This is shown from the customer's perspective to demonstrate the product in action and illustrate its ease of use. - The ad concludes with the Nubank logo and a call to action to open an account. This is told from the brand's perspective to reinforce brand recognition and encourage viewers to take the next step.

# Ad summary This ad promotes Nu Empresas' Capital de Giro (working capital) product. It highlights the availability of funds, quick approval, and flexible payment terms to attract MEI (individual micro-entrepreneurs) customers seeking financial solutions. # Brand positioning Nu Empresas, represented by the 'Nu' logo, positions itself as a modern, accessible, and bureaucracy-free financial solution for businesses. The brand aims to occupy the space of a supportive partner for entrepreneurs, particularly individual micro-entrepreneurs (MEI), by offering accessible financial products like Capital de Giro. The brand promotes values of simplicity and growth, pushing against the norms of traditional banking bureaucracy. The brand positioning is both functional (providing working capital) and emotional (enabling growth and relieving stress). # Product The product being advertised is Capital de Giro (working capital) offered by Nu Empresas. It is a financial solution designed to provide businesses with readily available funds. The ad highlights that the funds are available quickly after approval and offers flexible payment terms, allowing customers to start paying in up to 90 days. The product is targeted towards MEI (individual micro-entrepreneurs) who need capital to continue growing their businesses. The ad addresses the purchase barrier of bureaucratic processes by emphasizing that Nu Empresas offers Capital de Giro without bureaucracy. The ad aims to convey that this product is worth trying because it provides quick access to funds and flexible payment terms, enabling businesses to grow without the hassle of traditional banking. # Visual style The ad features a clean and modern visual style with a focus on simplicity and clarity. The production quality appears to be highly polished, with a studio-shot aesthetic. The visual motifs include rounded rectangular panels and a minimalist design. The image treatment involves subtle color grading and lighting effects to create a professional look. The typography is integrated in a large and bold manner, enhancing scannability. The style contrasts with platform-native content, aiming to disrupt the feed with its high-design aesthetic. # Hooks Headline: Seu Capital de Giro do Nu Empresas está disponível # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the pain point of MEIs (individual micro-entrepreneurs) constantly struggling to manage finances and keep their businesses afloat. The phrase "Saia do modo apagar incêndios na sua rotina MEI" (Get out of firefighting mode in your MEI routine) signals this frustration. # Value propositions - Quick access to funds (Dinheiro na hora após aprovação) - Flexible payment terms (Comece a pagar em até 90 dias) - Bureaucracy-free access to capital (Capital de Giro sem burocracia) # Benefits - Saia do modo apagar incêndios na sua rotina MEI. - você contrata Capital de Giro sem burocracia para continuar crescendo. # Features - Dinheiro na hora após aprovação - Comece a pagar em até 90 dias # Call to action Abra sua conta. # Social proof - None used. # Point of view - Brand: The mobile phone screen displaying the Nu Empresas app interface showcases the product's features and ease of use. - Customer: The message "Saia do modo apagar incêndios na sua rotina MEI" highlights the relief and stability the product can provide. - Brand: The statement "Com Nu Empresas, você contrata Capital de Giro sem burocracia para continuar crescendo" reiterates the value proposition and encourages them to take action. # Storyline - The ad begins by showcasing a mobile phone screen displaying the Nu Empresas app interface, indicating that the user's Capital de Giro is available. This is included to immediately grab the viewer's attention and highlight the product's core benefit: readily accessible funds. The audience is experiencing this from the brand's perspective, showcasing the product's features and ease of use. - The ad then transitions to a message stating, "Saia do modo apagar incêndios na sua rotina MEI" (Get out of firefighting mode in your MEI routine). This is included to address a common pain point for MEIs: the constant struggle to manage finances and keep their businesses afloat. The audience is experiencing this from the customer's perspective, highlighting the relief and stability the product can provide. - The ad concludes by stating, "Com Nu Empresas, você contrata Capital de Giro sem burocracia para continuar crescendo" (With Nu Empresas, you hire Capital de Giro without bureaucracy to continue growing). This is included to reinforce the product's key benefits: easy access to capital and the ability to grow without bureaucratic hurdles. The audience is experiencing this from the brand's perspective, reiterating the value proposition and encouraging them to take action.

# Ad summary This ad promotes Nubank, a digital banking platform, by showcasing the ability to transfer credit card limit to account balance. The ad features a smartphone displaying the Nubank app interface, alongside a Nubank credit card, emphasizing the ease of managing finances within the app. # Brand positioning Nubank is presented as a modern, tech-forward financial institution that simplifies banking and offers innovative solutions for managing finances. The brand aims to occupy the space of a user-friendly, accessible alternative to traditional banking, appealing to customers who value convenience and digital integration. Nubank aligns with a lifestyle that embraces technology and financial empowerment, pushing against the norms of complex, bureaucratic banking processes. The brand positioning is both functional, offering practical financial tools, and emotional, promoting a sense of control and ease in managing one's finances. # Product The ad features Nubank's digital banking platform, accessible via a smartphone app, and its credit card. The app allows users to transfer their credit card limit to their account balance, providing flexibility in managing funds. The credit card is a physical representation of the digital account, enabling traditional payment methods. The ad highlights the ease of transferring funds within the app, as shown on the smartphone screen. The product is for individuals seeking a modern, user-friendly banking experience with seamless integration between digital and physical financial tools. The ad addresses the purchase barrier of traditional banking complexity by showcasing the simplicity and convenience of Nubank's platform. # Visual style The ad has a clean and modern visual style with a focus on simplicity and ease of use. The color palette is primarily white and purple, with a minimalist design. The production quality is high, with a studio-shot feel. The image treatment includes background removal and subtle lighting effects. The typography is large and bold, making it easy to read. The ad contrasts with typical financial ads by using a more approachable and user-friendly design. # Hooks Headline: Transforme o limite do cartão em saldo na conta. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of limited access to credit card funds by offering the ability to transfer the credit limit to the account balance. The ad shows the question "Quanto saldo você quer adicionar na sua conta?" which translates to "How much balance do you want to add to your account?" # Value propositions - Transfer credit card limit to account balance for flexible fund management # Benefits - Flexibility in managing funds - Easy transfer process within the app # Features - Transfer credit card limit to account balance # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand: The brand is communicating the core value proposition of the product, which is the ability to transfer credit card limit to account balance. - Customer: The customer's perspective is shown through the smartphone display, demonstrating the ease and simplicity of the transfer process within the app. # Storyline - The ad opens with a visual of the Nubank logo and the tagline "Transforme o limite do cartão em saldo na conta," which translates to "Transform your card limit into balance in the account." This is the brand introducing the core value proposition of the product: the ability to transfer credit card limit to account balance. - The ad then transitions to a smartphone displaying the Nubank app interface, showing a prompt asking how much balance the user wants to add to their account, with a pre-filled amount of R$ 120.00. This is the customer's perspective, demonstrating the ease and simplicity of the transfer process within the app. - Finally, the ad concludes with a call to action button that says "Abra sua conta," which translates to "Open your account." This is the brand prompting the viewer to take the next step and sign up for Nubank's services.

# Ad summary This ad promotes the Nubank credit card, highlighting its feature of turning the card's credit limit into account balance. The ad features a hand holding the purple Nubank card against a blurred background, with text emphasizing the benefit and a call to action to apply. # Brand positioning Nubank is presented as a modern and innovative financial institution, offering a fresh alternative to traditional banking. The brand is positioned as user-friendly and digitally focused, appealing to customers who value convenience and control over their finances. The use of a minimalist design and a distinctive purple color scheme reinforces its modern and unconventional approach, setting it apart from more established, traditional banking brands. Nubank aims to occupy a space in the consumer's mind as a forward-thinking, accessible, and empowering financial partner. # Product The product being advertised is the Nubank credit card, a physical card that allows users to make purchases on credit. The ad highlights the unique feature of converting the card's credit limit into an available balance within the user's account. This feature is presented as a key differentiator, offering increased flexibility and control over finances. The card itself is purple and features the Nubank logo, the cardholder's name (Suzana Amaral), a chip, and the Mastercard logo. The ad aims to address the potential barrier of limited access to funds by showcasing how the credit limit can be utilized as an accessible balance. # Visual style The ad has a clean and modern visual style with a focus on the product. The use of a blurred background and a limited color palette (primarily purple and white) creates a sense of sophistication and simplicity. The image is well-lit and professionally shot, giving it a polished look. The overall aesthetic is designed to be eye-catching and easily scannable in a social media feed. # Hooks Headline: Seu limite do cartão vira saldo na conta. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the potential pain point of limited access to funds by offering a solution where the credit card limit can be converted into an available balance, providing users with more financial flexibility. The phrase "Seu limite do cartão vira saldo na conta" directly implies this solution. # Value propositions - Turning your credit card limit into account balance provides increased financial flexibility and accessibility. # Benefits - Your card limit becomes balance in the account. # Features - Seu limite do cartão vira saldo na conta. # Call to action Peça Já # Social proof - None used. # Point of view - Brand: The entire ad is presented from the brand's perspective, showcasing the product and its benefits while encouraging viewers to apply. # Storyline - The ad opens with a close-up shot of a hand holding the Nubank credit card. This is intended to immediately capture attention and introduce the product. The perspective is from the brand, showcasing the card as the central element. - The text overlay explains the key benefit: "Seu limite do cartão vira saldo na conta" (Your card limit becomes balance in the account). This message is from the brand, highlighting the unique feature of the card and its value proposition. - A call to action, "Peça Já" (Order Now), is presented in a button below the text. This is from the brand, directly prompting the viewer to take the next step and apply for the card.

# Ad summary This ad for NuCel promotes its services by highlighting simplicity and transparency. It features a woman on her phone, suggesting ease of use and integration into everyday life. # Brand positioning NuCel is presented as a modern and accessible service provider, aiming to simplify and add transparency to its customers' lives. The brand uses a clean, contemporary aesthetic with a focus on ease of use and customer-centric values. The brand's positioning is functional, emphasizing simplicity and transparency. # Product NuCel is a service designed to simplify and add transparency to its customers' lives. The ad features a woman using her phone, implying that NuCel is accessible and easy to integrate into daily routines. The service is not explicitly defined, but the ad suggests it is user-friendly and straightforward. # Visual style The ad has a clean and modern visual style with a focus on simplicity and accessibility. The color palette is dominated by purple and neutral tones, creating a calming and inviting atmosphere. The image is well-lit and professionally shot, giving it a polished and trustworthy feel. # Hooks Headline: Facilite sua vida com NuCel. Simples e transparente. # Funnel stage Top of funnel (Awareness) # Pain points The ad implies that life can be complicated and opaque, and NuCel offers a solution to simplify and clarify it. "Facilite sua vida com NuCel. Simples e transparente." # Value propositions - NuCel makes your life easier by being simple and transparent. # Benefits - Facilite sua vida com NuCel # Features - Simples - Transparente # Call to action None used. # Social proof - None used. # Point of view - Brand: The brand logo and tagline at the top of the image communicate the brand's message and identity. - Customer: The woman using her phone represents the customer's perspective, showing how the service fits into their daily life. # Storyline - The ad opens with the NuCel logo and a message about simplifying life with NuCel, immediately establishing the brand and its core value proposition. The brand is telling the audience that its service is designed to make life easier and more transparent. - The ad then transitions to a visual of a woman using her phone outdoors, suggesting that NuCel is easily integrated into everyday life. The customer is shown enjoying the service in a relaxed setting, reinforcing the idea of simplicity and ease of use.

# Ad summary This ad for Nubank promotes the ability to transfer the limit of the card to the account balance. # Brand positioning Nubank is presented as a modern and innovative financial institution that challenges traditional banking norms. The brand aims to occupy a space in the consumer's mind as a tech-forward, user-friendly alternative to traditional banks. The brand's values align with simplicity, convenience, and empowerment, offering customers greater control over their finances. Nubank pushes against the complexity and inaccessibility often associated with traditional banking, positioning itself as a transparent and customer-centric option. The brand positioning is both functional, providing practical financial solutions, and emotional, fostering a sense of control and ease for its users. # Product The ad promotes Nubank's feature that allows users to transfer their credit card limit to their account balance. This feature enables users to increase their available funds in their account by utilizing their credit limit. The product is for Nubank account holders who need additional funds in their account and want to leverage their credit card limit to do so. The ad addresses the potential purchase barrier of needing immediate funds by offering a solution to quickly increase the account balance. The ad highlights the convenience and flexibility of managing finances within the Nubank platform. # Visual style The ad has a clean and modern visual style with a focus on simplicity and clarity. The color scheme is primarily white and purple, which are the brand colors of Nubank. The image is well-lit and the product is clearly visible. The overall aesthetic is consistent with a tech-forward and user-friendly brand. # Hooks Headline: Transforme o limite do cartão em saldo na conta. # Funnel stage Middle of funnel # Pain points The ad addresses the pain point of needing immediate funds in the account. "Quanto saldo você quer adicionar na sua conta?" # Value propositions - Transform credit card limit into account balance # Benefits - Ability to transfer credit card limit to account balance # Features - Transforme o limite do cartão em saldo na conta. # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand: The brand's POV is present in the headline, which introduces the core value proposition of the product, and in the call to action button, which encourages viewers to open an account. - Customer: The customer's POV is present in the smartphone screen, which shows the user interface for transferring funds, demonstrating the ease and simplicity of the process. # Storyline - The ad starts by highlighting the Nubank logo and the main message: "Transforme o limite do cartão em saldo na conta." This is intended to immediately grab the viewer's attention and introduce the core value proposition of the ad. The brand is telling the audience about the key benefit of the product, which is the ability to convert credit card limit into account balance. - The ad then shows a smartphone screen displaying a banking app interface, prompting the user to input the amount they want to transfer from their credit card limit to their account balance. The amount shown is R$ 120,00. This is intended to demonstrate the ease and simplicity of the process. The customer is experiencing the process of using the app to transfer funds. - Next to the phone is a Nubank credit card, reinforcing the connection between the credit card and the ability to transfer funds. The card is purple and has the Nubank logo on it. The brand is visually reinforcing its product and brand identity. - The ad concludes with a call to action button that says "Abra sua conta," encouraging viewers to open a Nubank account. The brand is prompting the viewer to take the next step and become a customer.

# Ad summary This ad promotes the Nu Empresas credit card, highlighting its benefits for MEI (Microentrepreneur) business owners. It emphasizes the card's lack of annual fees and its ability to manage expenses through the app, positioning it as a tool to streamline financial management and move beyond day-to-day firefighting. # Brand positioning Nu is presented as a modern, app-based financial solution designed to simplify financial management for businesses. The brand aims to occupy a space of accessibility and convenience, particularly for MEI (Microentrepreneur) business owners. It promotes a hassle-free experience by eliminating annual fees and providing total expense management through its app. The brand positioning is functional, focusing on simplicity and ease of use, while also hinting at empowerment by enabling business owners to move beyond daily operational challenges. # Product The featured product is the Nu Empresas credit card, designed for MEI (Microentrepreneur) business owners. It is presented as a tool for managing business expenses with the key USP being that it has no annual fee. The card enables total expense management through the Nu app. The ad addresses the purchase barrier of annual fees, making it an attractive option for small business owners looking to control costs. The card is shown in a clean, modern design, emphasizing its alignment with the brand's tech-forward approach. # Visual style The ad has a clean and modern visual aesthetic with a focus on simplicity and minimalism. The production quality is highly polished, with studio-shot lighting and a muted color palette of purples, grays, and silver. The image treatment includes subtle drop shadows and background removal to highlight the product. The typography is integrated in a clean and legible manner, and the overall style feels native to a platform like Instagram Stories, with a focus on scannability and stop power in feed. # Hooks Headline: Sua rotina MEI pode ser mais que apagar incêndios. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the pain point of MEI business owners constantly dealing with urgent issues and struggling to manage their business finances effectively. "Sua rotina MEI pode ser mais que apagar incêndios" (Your MEI routine can be more than putting out fires) signals this frustration. # Value propositions - No annual fee and total expense management through the app # Benefits - você não paga anuidade # Features - Cartão de Crédito Nu Empresas - gestão total de gastos pelo app # Call to action Abra sua conta. # Social proof - None used. # Point of view - Brand: The entire ad is presented from the brand's perspective, showcasing the Nu Empresas credit card as a solution for MEI business owners to manage their finances more effectively. # Storyline - The ad opens with the message, "Sua rotina MEI pode ser mais que apagar incêndios" (Your MEI routine can be more than putting out fires), which is told from the brand's perspective. This sets the stage by highlighting the common struggle of MEI business owners constantly dealing with urgent issues, suggesting that there's a better way to manage their business. - The ad then introduces the Nu Empresas credit card as a solution, stating, "Com o Cartão de Crédito Nu Empresas, você não paga anuidade e tem gestão total de gastos pelo app" (With the Nu Empresas Credit Card, you don't pay annual fees and have total expense management through the app). This is told from the brand's perspective, emphasizing the card's key benefits and how it addresses the pain points of managing business finances. - The ad concludes with a call to action, "Abra sua conta" (Open your account), which is told from the brand's perspective. This prompts the viewer to take the next step and sign up for the Nu Empresas credit card, reinforcing the message of easy and accessible financial management.

# Ad summary This ad for Nubank promotes its digital banking services, highlighting the absence of fees for both the account and the credit card. The ad features a smartphone displaying the Nubank app interface, emphasizing the ease of access and modern design. The overall message is that Nubank offers a straightforward and cost-effective banking solution. # Brand positioning Nubank is presented as a modern, customer-centric financial institution that challenges traditional banking norms by offering fee-free services. The brand aims to occupy a space in the consumer's mind as a transparent and accessible alternative to traditional banks. The brand aligns with values of simplicity, convenience, and financial empowerment, promoting a lifestyle free from unnecessary banking fees. Nubank pushes against the norm of charging fees for basic banking services, positioning itself as a more consumer-friendly option. The brand positioning is both functional (no fees) and emotional (financial freedom and empowerment). # Product The product being advertised is Nubank's digital banking service, which includes a digital account and a credit card. The service is for individuals seeking a modern, fee-free banking solution. Key features include no account fees ("Conta sem tarifas") and no credit card annual fees ("cartão sem anuidade"). The ad addresses the purchase barrier of traditional banking fees by highlighting the absence of such fees with Nubank. The ad shows the Nubank app interface on a smartphone, displaying account details and transaction options, emphasizing the ease of use and accessibility of the service. # Visual style The ad has a clean and modern visual style, with a focus on simplicity and clarity. The use of a solid purple background and white text creates a strong contrast and makes the message easy to read. The smartphone is well-lit and positioned to showcase the app interface. The overall aesthetic is consistent with Nubank's brand identity. # Hooks Headline: Conta sem tarifas, cartão sem anuidade. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the pain point of traditional banking fees, which can be a source of frustration for customers. The ad highlights the absence of such fees with Nubank: "Conta sem tarifas, cartão sem anuidade." # Value propositions - Fee-free banking: "Conta sem tarifas, cartão sem anuidade." # Benefits - No account fees - No credit card annual fees # Features - Conta sem tarifas - cartão sem anuidade # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand: The brand is communicating the key benefits of Nubank's digital banking service, emphasizing the absence of fees and the ease of use of the app. # Storyline - The ad opens with the Nubank logo and a headline emphasizing the absence of fees for both the account and credit card. This is intended to immediately grab the viewer's attention by highlighting a key benefit and differentiating Nubank from traditional banks. The brand is communicating this message. - The ad then transitions to a smartphone displaying the Nubank app interface, showcasing the user's account balance and transaction options. This is intended to demonstrate the ease of use and accessibility of the service. The brand is showing the product in action. - Finally, the ad includes a call to action button prompting viewers to open an account. This is intended to drive immediate action and convert viewers into customers. The brand is directly asking the viewer to take the next step.

# Ad summary This ad for Nubank features a man talking about how Nubank allows you to make purchases on various sites and apps in up to 24 installments with the convenience and security of not having to share your card details. # Brand positioning Nubank is presented as a modern and convenient financial solution that prioritizes customer needs and simplifies financial transactions. The brand aims to occupy a space in the consumer's mind as a hassle-free alternative to traditional banking, offering flexibility and security in online purchases. Nubank aligns with values of practicality and security, pushing against the norms of traditional banking by offering a seamless digital experience. The brand positioning is both functional, emphasizing convenience and security, and emotional, promoting a sense of empowerment by giving customers control over their finances. # Product Nubank is a digital banking platform that allows users to make purchases on various sites and apps in up to 24 installments. It offers a convenient and secure way to shop online without having to share card details. The product is for individuals who want a hassle-free and secure online shopping experience. Nubank's unique selling points include the ability to make purchases in up to 24 installments and the added security of not having to share card details. It addresses the purchase barrier of traditional credit cards by offering a more flexible and secure payment option. # Visual style The ad has a polished and modern aesthetic, with a mix of static shots and smooth transitions. The production quality is high, giving it a commercial feel. The pacing is consistent, with a moderate number of cuts per minute. The audio-visual sync is well-coordinated, with text and product actions timed to the voiceover lines. # Hooks Spoken: 00:00–00:04 A desilusão de se apaixonar por algo que o seu cartão não deixa você comprar. Text overlay: 00:00–00:01 a desilusão / 00:01–00:02 de se apaixonar por algo / 00:02–00:03 que o seu cartão / 00:03–00:03 não deixa / 00:03–00:04 você comprar. Visual: 00:00–00:01 A man with fair skin, light brown hair, and a beard is sitting in a gray recliner in a modern room. He is wearing a purple t-shirt and light-colored pants. The background features a window with rain visible outside, and a desk with a lamp. The camera is stationary, providing a medium shot of the man. The lighting is soft, creating a calm atmosphere. The man leans back in the chair with a frustrated expression. / 00:01–00:04 The man stands up and walks over to a black chair next to a desk. He is holding a smartphone and looking at it with a concerned expression. The background includes a window with a sunset view. The camera is stationary, providing a medium shot of the man. The lighting is warm, highlighting the sunset. The man leans against the chair, looking at his phone. # Funnel stage Middle of funnel (Consideration) # Pain points The frustration of not being able to buy something you want because your card won't let you. "A desilusão de se apaixonar por algo que o seu cartão não deixa você comprar." # Value propositions - Make purchases on various sites and apps in up to 24 installments with the convenience and security of not having to share your card details. # Benefits - Convenience - Security # Features - Make purchases on various sites and apps - Up to 24 installments - No need to share card details # Call to action Que tal abrir sua conta no bank? # Social proof - None used. # Point of view - Customer 25% – The ad opens with a man looking contemplative, conveying the frustration of not being able to buy something you want. - Brand 75% – The man transitions to acting as a spokesperson, highlighting the features and benefits of Nubank. # Storyline - 00:00–00:04 00:00–00:04 The ad begins with a man sitting in a chair, looking contemplative, and then standing up to look at his phone. The message conveyed is about the frustration of not being able to buy something you want because your card won't let you. The perspective is from someone experiencing this frustration, conveyed through his expressions and actions. The tone is initially melancholic, then shifts to a problem-solving approach. - 00:04–00:09 00:04–00:09 The man looks directly at the camera and asks, "Até quando?" (Until when?). He then introduces Nubank as a solution, highlighting that with Nubank, you can make purchases on various sites and apps in up to 24 installments. The message is that Nubank offers a solution to the frustration of limited payment options. The perspective is from the brand, presented by the man, who is now acting as a spokesperson. The tone is informative and solution-oriented. - 00:09–00:13 00:09–00:13 The man continues to explain that Nubank offers practicality and security, emphasizing that you don't have to share your card details. The message is that Nubank provides a secure and convenient way to shop online. The perspective remains from the brand, with the man acting as a spokesperson. The tone is reassuring and informative. - 00:13–00:15 00:13–00:15 The ad concludes with the Nubank logo and a call to action: "Que tal abrir sua conta Nubank?" (How about opening your Nubank account?). The message is a direct invitation to join Nubank. The perspective is from the brand, making a direct appeal to the viewer. The tone is inviting and encouraging.

# Ad summary This ad promotes NuCel, a mobile phone plan provider, highlighting its affordability, ease of use via an app, and transparent terms. The ad features a man relaxing at home while using his phone, interspersed with shots of the NuCel app interface. It emphasizes the simplicity and convenience of managing your phone plan through the app. # Brand positioning NuCel is presented as a modern, customer-centric mobile phone plan provider that prioritizes simplicity and transparency. The brand aims to occupy the space of an accessible and user-friendly alternative to traditional mobile carriers. It aligns with values of convenience and straightforwardness, pushing against the norm of complex contracts and hidden fees often associated with competitors. The brand positioning is both functional (easy app management) and emotional (peace of mind with no hidden terms). # Product NuCel offers mobile phone plans starting at R$45 with 25GB of data. The service is managed entirely through an app, allowing users to easily resolve issues and cancel their plans at any time. The ad emphasizes that NuCel operates with simplicity and without hidden terms ("sem letras miúdas"). The product is designed for users who value convenience and transparency in their mobile service, offering an easy-to-use app and straightforward pricing. # Visual style The ad has a clean and modern aesthetic with a focus on simplicity. The editing style is smooth with static shots and clear transitions. The production quality is polished, giving it a commercial feel. The visual motif is the consistent use of the brand's purple color. The pacing is moderate, with cuts timed to voiceover lines. # Hooks Spoken: 00:00–00:04: Female: Chegou NuCel. Planos de celular a partir de R$45 com 25GB. Text overlay: 00:00–00:04: Chegou NuCel. / 00:01–00:04: Planos de celular / 00:02–00:04: a partir de R$45 / 00:03–00:04: com 25GB. Visual: 00:00–00:04: A man with glasses, a beard, and a blue shirt is sitting on a beige couch with purple pillows in a living room. He is smiling and looking at his phone. The background includes a lamp, framed pictures, and a side table. The camera is stationary, providing a medium shot of the man. The lighting is warm and inviting. The NuCel brand name and plan details are displayed on the left side of the screen in purple text on a purple background. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of complex mobile phone plans with hidden fees and difficult management. # Value propositions - Affordable mobile plans starting at R$45 with 25GB of data - Convenient app-based management - No hidden fees or complex contracts # Benefits - Easy to manage your phone plan - Cancel anytime - Simple and transparent terms # Features - Mobile phone plans - App-based management - Affordable pricing - 25GB data # Call to action Abra sua conta. # Social proof - None used. # Point of view - Brand 100% – The entire ad is presented from the official voice of the brand, highlighting product features and benefits. # Storyline - 00:00–00:04 00:00–00:04: The ad opens with a man relaxing on a couch, using his phone. The voiceover introduces NuCel and its affordable mobile plans starting at R$45 with 25GB of data. This sets the stage by presenting the product and its key selling points from the brand's perspective. - 00:05–00:07 00:05–00:07: The scene transitions to a close-up of the NuCel app interface on a phone screen, showing different plan options. The voiceover highlights that everything can be managed in one app and canceled at any time. This emphasizes the convenience and flexibility of the service from the brand's perspective. - 00:08–00:11 00:08–00:11: The ad returns to the man on the couch, followed by another shot of the phone displaying the app. The voiceover states that everything is simple and without hidden terms. This reinforces the brand's commitment to transparency and ease of use from the brand's perspective. - 00:11–00:12 00:11–00:12: The ad concludes with a call to action to open an account. This prompts the viewer to take the next step and engage with the brand from the brand's perspective.

# Ad summary This ad promotes NuPay, highlighting its features of additional credit limits and installment payment options. The ad emphasizes the security and convenience of using NuPay for online purchases, encouraging viewers to open an account. # Brand positioning NuPay is presented as a modern and convenient payment solution integrated within the NuBank ecosystem. The brand aims to occupy the space of secure and flexible online payments, offering users additional credit limits and installment options. NuPay aligns with a lifestyle of ease and financial control, pushing against the complexities of traditional payment methods by providing a seamless and user-friendly experience. The brand positioning is both functional, emphasizing performance and simplicity, and emotional, promoting a sense of security and convenience in online transactions. # Product NuPay is a payment feature within the NuBank app that allows users to make online purchases with added security and flexibility. It provides an additional credit limit and the option to split payments into up to 24 installments. The product is designed for NuBank users who shop online and seek a secure and convenient payment method. Key features include the ability to pay on favorite sites with added security and the option to parcel payments. NuPay addresses the purchase barriers of limited credit and the desire for payment flexibility, making it easier for users to manage their online spending. The ad highlights the ease of use and the added security, positioning NuPay as a worthwhile solution for online transactions. # Visual style The ad has a polished and clean aesthetic, with a focus on clear visuals and simple transitions. The editing style is smooth, with static shots that emphasize the product features and benefits. The production quality is high, resembling a professional commercial. The pacing is consistent, with a moderate rhythm that allows viewers to absorb the information. The audio-visual sync is well-coordinated, with text and product actions timed to the voiceover. # Hooks Spoken: 00:00–00:03: Compre nos seus sites favoritos com NuPay. Text overlay: 00:00–00:03: Compre nos seus sites favoritos com NuPay. Visual: 00:00–00:03: A split-screen shows a man in his 30s, with dark hair and glasses, casually dressed in a navy shirt and brown pants, sitting on a couch in a warmly lit living room. He is smiling and looking at his phone. The background includes a lamp, pillows, and a textured throw blanket. The camera is stationary, providing a medium shot of the man. # Funnel stage Middle of funnel (Consideration) # Pain points The ad addresses the frustration of limited credit and the desire for flexible payment options when shopping online. "Você pode ter limite adicional e parcelar em até 24 vezes." # Value propositions - Shop on your favorite sites with NuPay - Additional credit limit and installment options for flexible payments - Enhanced security and convenience for online transactions # Benefits - Mais segurança e praticidade na hora de pagar # Features - Limite adicional - Parcelar em até 24x # Call to action Abra sua conta # Social proof - None used. # Point of view - Brand 100% – The ad is presented from the official voice of NuBank, highlighting the features and benefits of NuPay. # Storyline - 00:00–00:03 The ad opens with a man relaxing on a couch, using his phone. This sets the scene for online shopping from the comfort of home. - 00:00–00:03 The voiceover introduces NuPay as a way to shop on favorite sites. This establishes the product's core function and target use case. - 00:03–00:07 The ad transitions to a screen recording of the NuPay interface on a smartphone, showing an additional credit limit and installment options. This visually demonstrates the product's key features. - 00:03–00:07 The voiceover highlights the ability to have an additional credit limit and pay in up to 24 installments. This reinforces the product's value proposition of financial flexibility. - 00:08–00:11 The ad shows a successful payment confirmation screen on the phone. This assures users of the product's reliability and ease of use. - 00:08–00:11 The voiceover emphasizes the added security and convenience of using NuPay. This reinforces the product's benefits and addresses potential concerns about online payments. - 00:11–00:12 The ad concludes with a call to action to open an account. This prompts viewers to take the next step and engage with the brand.