Value proposition

Data-driven MSME lending solutions for service providers in Africa and beyond

Today small businesses in emerging markets need more than access to credit. They need fast, fair and affordable financing solutions that are in sync with their new digital habits.

Our cloud-native, API-driven digital lending platform enables service providers to rapidly launch innovative loan products and meet the evolved expectations of borrowers.

Pioneering new lending ecosystem models, we support different types of partnerships: We enable non-lenders such as digital platforms to easily embed lending features into their services to deliver more value to their customers. We work with banks and microfinance institutions to help them accelerate their digital transformation and reach new markets.

We aim to responsibly manage and grow the digital loan portfolios of our partners.

Rubyx is a global remote-first company with its roots in microfinance, focused on providing loans for income-generating activities. Leveraging our expertise in data science, behavioural economics, and human-centred design, we’re driven to lower the cost of entry to AI capabilities and make scoring algorithms easy to understand so that the power of data benefits all.

Curious to explore how Rubyx can help you turn your data into value? We look forward to showing you what’s possible! Contact@rubyx.io

Data Science, Artificial Intelligence, Machine Learning, Service Design, Customer Research, Deep Learning, Digital Transformation, Fintech, Financial Inclusion, Mobile Money, Emerging Markets, Technology, Financial Services, Insurance, Microfinance, Human Centered Design, Behavioral Economics, and Bespoke Product Development