资产质量恶化：伴随Nubank用户规模不断扩大、目标市场持续下沉，未来公司若在用户数据库完善及风控模型优化等方面有所不足，则可能出现信贷资产质量恶化、贷款不良率上升的情况。
行业监管趋严：部分海外市场监管机构对金融科技的监管逐步趋严，或将提升相关公司的合规及运营成本。
市场竞争加剧：由于数字金融服务平台不断涌现，以及传统银行通过数字化转型加入数字金融服务竞争，未来或有服务费率下行的风险，同时若公司无法保持产品服务的竞争力，则可能导致客户流失，影响公司整体收入及利润。
[1]https://www.reuters.com/article/us-tencent-holdings-nubank-m-a-idUSKCN1MI20L
[2]https://thelowdown.momentum.asia/is-the-success-of-leading-global-digital-banks-replicable-in-southeast-asia/
[3]https://labsnews.com/en/articles/business/brazilian-digital-banks-face-a-decline-in-the-number-of-users-and-feel-the-pressure-for-profitability/
[4]https://www.marketplace.org/2022/01/07/irs-tells-payment-apps-to-report-business-transactions-over-600/
[5]https://www.cnbc.com/2021/12/17/buy-now-pay-later-stocks-tumble-on-us-regulatory-probe.html
[6]https://techcrunch.com/2021/07/29/paypals-new-super-app-is-ready-to-launch-will-also-include-messaging/
[7]https://investors.affirm.com/news-releases/news-release-details/affirm-launches-superapp-and-browser-extension-bring-consumers
[8]https://www.grab.com/sg/about/superapp/
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