- Company has lost a lot of high talented workers since IPO and beggining of COVID-19 pandemic
- As any other big company, it can be difficult to get effective collaboration across different teams from different areas of the company.
- Culture contradiction: very personal opinion here, but the company claims to be customer focused, and yet it charges extremely high (and abusive) interest rates as any other brazilian bank, which sounds as a big contradiction to the company's main cultural pillar.