Rubyx is a data-driven fintech revolutionising access to finance for individuals and businesses in emerging markets. By leveraging cutting-edge technology and deep expertise in financial services, we provide a Lending-as-a-Service platform that enables financial institutions and digital platforms to offer tailored credit solutions seamlessly.
We help institutions answer two key questions:
1. Who should we lend to?
2. How much should we lend?
With the rapid digital transformation and the rise of API-led embedded lending, Rubyx acts as a bridge between financial institutions and digital platforms, helping to close the funding gap for millions of African MSMEs, individual borrowers, and underserved communities. Access to credit remains a significant challenge in many emerging markets, often due to limited financial history, inefficient loan assessment processes, and high lending risks. Our mission is to empower both entrepreneurs and individuals by making financing more accessible, automated, and efficient, ultimately driving financial inclusion and economic growth at scale.
At Rubyx, we empower organisations to lend more sustainably with our advanced credit decisioning platform. Traditional credit assessments often rely on outdated methods that are time-consuming and prone to inaccuracies, limiting financial institutions’ ability to expand their customer base. Our solution revolutionises this process by providing accurate, real-time credit and financial behavioural assessments on customers which enables lenders to reach more new customers and retain existing customers with minimized effort, cost, and risk.
How does this work? We analyse loan data and transactional data to generate customer credit scores, offering a more comprehensive and dynamic evaluation of a borrower’s financial behaviour. Unlike conventional lending models that rely heavily on rigid documentation and manual verification,
Rubyx enables financial institutions to automate decision-making with data-driven insights. The data could be loan histories of existing customers, bank statements, mobile money statements etc. This results in faster, fairer, and more scalable lending processes.
Rubyx goes beyond credit scoring by generating loan offers for customers based on their risk and financial behaviour. Once a customer is scored, the platform instantly generates loan offers based on creditworthiness, eliminating the need for hectic, manual loan appraisal and approval processes. This significantly reduces loan turnaround time, enabling lenders to approve and disburse loans quickly which improves customer satisfaction and increases lending volumes for new and existing customers.
Financial institutions and digital lenders working with Rubyx can seamlessly integrate our platform into their existing operations. We support various financial service providers including retail banks, microfinance banks, neobanks, microfinance institutions, and digital lenders. Our solution adapts to different business models, ensuring a smooth transition toward more efficient and data-driven lending practices.
As financial ecosystems evolve, embedded lending and digital credit solutions are playing a critical role in expanding financial access across Africa and the world at large. Rubyx is committed to leading this transformation by equipping lenders with the tools they need to serve both small businesses and individual borrowers more effectively. By bridging the gap between traditional finance and digital innovation, we help financial institutions unlock new opportunities, drive economic empowerment, and promote inclusive growth.
At Rubyx, we believe that everyone deserves access to fair and sustainable credit. By leveraging our expertise and technology, we enable financial institutions to lend with confidence, unlock new markets, and build a more inclusive financial future for all.