If you don't have that famous purple credit card with no annual fee, you've probably heard of Nubank, the Brazilian startup that has revolutionized users' experience with financial services. Do you know how they present themselves? Like this: "We are nonconformists. In Brazil, we pay the highest fees and interest rates in the world for the worst banking services. We know that technology and design can solve this problem. That's why we came together in 2013 to redefine people's relationship with money through a more efficient and transparent experience. Our goal is to end complexity and give everyone back control of their financial lives."

Wow! What Brazilian doesn't want that?

In this presentation message easily found on the Nubank portal, the word that stands out is experience. In addition to all the innovations, they have made experience their mantra. So much so that one of these initiatives motivated by the desire to mark the customer's life went viral.

A user got in touch very angry because the purchase of a sandwich had been duplicated on his card - a snack for which he had already paid too much. After canceling the duplicate charge, the attendant saw an opportunity. He sent the customer a purple sandwich maker, the color of Nubank, with several handwritten recipes, "so that he would no longer have to pay a lot for a sandwich". More than surprised, the customer posted the 'affection' on his social networks and the brand gained a lot of points in terms of perceived value.

On another occasion, a customer got in touch to ask for a new card because her dog had chewed up the old one. Not only did she receive a new card, but she also got a little purple bone for her dog. "Despite being a 100% digital company, service needs to be extra humanized," said one of Nubank's executives in an interview with Exame magazine.

We are definitely in the Age of Experience, or just Xpeer. Delivering what your company promises and delivering quality are no longer differentiators. Users want to experience strong emotions. But would these extra humanized experiences solve the problem, for example, if a 100% digital company had the worst processing performance on the market? Would it be solved if the institution's mobile app was too slow or if every transaction on the card machines had a terrible response time? We don't think so.

To guarantee the user experience in the digital world too, application performance management (APM) combined with end-user monitoring is essential. This combination gives companies the ability to follow the customer journey - from cell phone to mainframe - on their installations, whether they are B2B, B2C, Internet Banking sites, apps, ERPs or any online solution.

Your company will be able to proactively monitor transactions from the end user's point of view, anticipating problems before the consumer notices them, before they disrupt business. Every keystroke, every click, every user choice will be evaluated to help create an unparalleled virtual experience.