https://blog.wongcw.com/2022/05/12/%e5%b7%b4%e8%8f%b2%e7%89%b9%e6%8a%95%e8%b3%87%e7%9a%84nubank%e5%b0%87%e6%8f%90%e4%be%9b%e6%af%94%e7%89%b9%e5%b9%a3%e4%ba%a4%e6%98%93%e6%9c%8d%e5%8b%99%e5%b7%b2%e8%b3%bc%e8%b2%b7%e5%a4%a7%e9%87%8f/