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Kick off your digital lending journey

Introducing Rubyx Solution

Credit scoring, CRM, Core Banking, Analytics, BI, APIs, Advisory: one data-driven platform covering all your needs to build and run your digital loan products.

Solutions

Credit scoring

Leverage Rubyx’s advanced credit scoring tools to make smarter, data-driven lending decisions, reduce risk, and unlock new opportunities for growth.

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Class parameters

Customers per class

Exclusion rules

Eligible customers after exclusions

Product parameters

Offer amount

CRM for Financial Institutions

Empower your financial institution with Rubyx’s CRM, designed to streamline customer relationships, enhance loan management, and drive growth through tailored, data-driven insights.

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BI and Performance Monitoring

Gain actionable insights and drive strategic decisions with Rubyx’s BI and Performance Monitoring tools, designed to optimize operations and enhance financial performance.

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Core banking system.

Rubyx’s Core Banking System offers quick deployment, unmatched flexibility, and an intuitive ‘as-a-service’ model, empowering lenders to efficiently manage loan portfolios and scale with ease.

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Advisory services

Get tailored support in deploying AI and digital lending products

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How do we impact MSMEs finances ?

We facilitate B2B2B/C partnerships to create a complete digital lending ecosystem that addresses the unmet need for MSME financing and dramatically increases financial inclusion.

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Automated loan renewal

Automated loan renewal

Returning low-risk borrowers enjoy great experience with pre-approved loan offers tailored to their needs and ability to repay.

Stock now pay later

Stock now pay later

Wholesalers support their distribution networks by embedding our SNPL product, allowing their clients to pay their orders later.

Short term nano loan

Short term nano loan

Platform users access liquidity instantly thanks to their digital track record. “Repay as soon as you can” brings the flexibility while a simple transparent fee gives the peace of mind.

Micro reverse factoring

Micro reverse factoring

Trade finance is downscaled to amount as small as 50K FCFA with our reverse factoring product allowing small providers to get paid earlier.

Unified MSME financing platform

Unified MSME financing platform

Alternative data is sourced to score and cross check MSME’s receivables and payables history. They access financing with their preferred e-money provider just like they pay bills.

Automated loan renewal

Automated loan renewal

Returning low-risk borrowers enjoy great experience with pre-approved loan offers tailored to their needs and ability to repay.

Stock now pay later

Stock now pay later

Wholesalers support their distribution networks by embedding our SNPL product, allowing their clients to pay their orders later.

Short term nano loan

Short term nano loan

Platform users access liquidity instantly thanks to their digital track record. “Repay as soon as you can” brings the flexibility while a simple transparent fee gives the peace of mind.

Micro reverse factoring

Micro reverse factoring

Trade finance is downscaled to amount as small as 50K FCFA with our reverse factoring product allowing small providers to get paid earlier.

Unified MSME financing platform

Unified MSME financing platform

Alternative data is sourced to score and cross check MSME’s receivables and payables history. They access financing with their preferred e-money provider just like they pay bills.

+70k

loans disbursed

8,4M

end customers scored daily

125M€

disbursed

0.55%

default
(NPL > 90 days)

Increasing access to credit globally.

We currently operate in Senegal, Côte d'Ivoire, Burkina Faso, Nigeria, Ghana, Cameroun, Madagascar, Tunisie, Kenya, Georgie, Jordanie, Inde, Cambodia. Our team hubs are in Dakar, Brussels and Xi’An.