> Not attributing their success to their tech stack is just not knowing the facts.

Touche. Though that's context you could've also included.

> Arguing against Nubank's achievement is like insisting on a flat Earth.

I'm not denying their achievement, I'm putting it in perspective. Having 100 clients for a consumer product doesn't mean a more successful business than 20 clients for an enterprise product. It is apples to oranges, for sure, but you're comparing startup growth in an underbanked region to the literal largest (by assets, outside China) bank in the world.