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Com o advento das tecnologias da informacao e a crescente influencia das fintechs , um tipo de startup voltada para o desenvolvimento de tecnologias e solucoes financeiras, este artigo faz uso da netnografia como metodologia de pesquisa para estudo da Nubank, startup que desenvolve um modelo de negocios inovador. Com o objetivo de apresentar o modelo de proposta de valor da Nubank, este estudo apresenta a visao dos clientes usuarios da empresa, de forma a contrastar o modelo real e o absorvido pelo mercado, sendo possivel detectar que a empresa ainda mantem o mesmo padrao da proposta de valor inicial. Porem, criterios como Transparencia e Desburocratizacao ja sao percebidos como falhos para a empresa.  Palavras-chave: Nubank. Modelo de negocios. Proposta de valor. Nubank: an exploratory view of the startup business model Abstract With the advent of information technologies and the influence of fintechs, a type of startup focused on the development of technologies and solutions, this is an example of netnography methodology for the development of technology, startup that develops an innovative business model. With the objective of presenting the Nubank’s model of reference value proposal, the market test, real model registration and market consumption, it being possible to detect a company still with the same standard of the proposal of initial value. However, criteria as Transparency and Reduction of Bureaucracy are already perceived as flawed for a company. Keywords : Nubank. Business model. Value proposition.

Nubank: uma visão exploratória do modelo de negócios da startup