Rubyx

Rubyx is a data-driven cloud platform for financial institutions and digital platforms that need to build, launch, and operate digital lending products for MSMEs and end customers.

Key capabilities include:

• Credit scoring with alternative data that turns digital channel activity into behavioral analytics, daily scores, and risk bands, supporting configurable eligibility rules and offer parameters.
• Embedded lending via APIs, enabling B2B2B/C partnerships where third-party platforms can integrate credit scoring, personalized loan offers (based on business rules), and loan servicing into their user journeys.
• Core lending operations tools, including CRM for financial institutions and a core banking system for loan creation, disbursement recording, and portfolio management.
• BI and performance monitoring for tracking lending performance and operational metrics, plus collections management workflows such as repayment terms, notifications, and alerts.

Available on Web and via APIs.

Target users include banks, MFIs, fintechs, wholesalers, and digital marketplaces that lend to MSMEs or embed credit into merchant and consumer experiences.

Notable context: Rubyx reports operating across multiple African markets including Senegal, Côte d’Ivoire, Burkina Faso, Nigeria, Ghana, Cameroon, Madagascar, Tunisia, and Kenya, and publishes performance indicators such as 70k+ loans disbursed, 8.4M end customers scored daily, €125M disbursed, and 0.55% default (NPL > 90 days).