Leverage data to address the fundamental challenges of lending to micro,
small and medium enterprises (MSMEs) in informal economies.
A desire to make a difference
We want to make a difference for entrepreneurs and small businesses in the developing world – a big difference. Rubyx was founded the day we decided that in order to make that difference, we couldn’t just continue with business as usual. We had to start a whole new company, with a whole new approach.
With the accelerated digital transformation and rise of digital platforms, the promise of embedded lending and API-led product growth, today we want to reach as many entrepreneurs as possible by facilitating partnerships between digital platforms and financial institutions. Together, we’re going to make a big difference.
We challenge the status quo. We’re passionate game-changers and pioneers, shifting the way others think and do things.
No one has all the answers
We embrace a culture of humility and continuous learning. We’re empathetic listeners to the ambitions and aspirations of our partners and stakeholders.
Fair opportunity for all
We treat everyone with the common decency we all deserve. Our credit scoring engine detects bias and we rebalance our datasets for the most inclusive algorithms.