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Senior managers build a product quarterly
The CEO builds too
The CEO has done it himself. He coded a non-custodial crypto app, something Nubank had discussed doing for a very long time, and he simply went in and built it. He blocks specific time in his calendar to use the tools and build products, something he had not done for a very long time.
Why everyone uses the tools
The goal is not for executives to spend most of their time coding, since there are better people who are much more productive at it. The goal is for everyone in the organization to use the tools actively instead of only reading about them.
Staying current
For staying current, he spends a lot of time on X, where much of the development shows up, and an agent collates and summarizes what is going on.
Why does using a tool teach more than reading?
In 1978, Norman Slamecka and Peter Graf published experiments showing that people remember information they generate themselves better than information they only read. Psychologists call this the generation effect. Building something forces a person to make decisions and meet errors, which produces richer memories than reading a summary. The effect has been replicated across many kinds of material.
Why do companies use their own products internally?
The practice is called dogfooding. Microsoft manager Paul Maritz reportedly used the phrase eating our own dog food in a 1988 email to push his team to use the company's software. Employees who use the product hit its flaws before customers do. Many software companies now run their internal work on early versions of their own releases.
How did AI change who can build software?
In February 2025, AI researcher Andrej Karpathy used the term vibe coding for a way of working in which a person describes what they want in plain language and the model writes the code. Tools that generate whole programs from prompts have lowered the skill needed to build a simple app. Professional engineers still review and test generated code for errors. Developer surveys, such as Stack Overflow's annual survey, have tracked rapid growth in the share of developers who use AI tools.
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