Generated by All in One SEO v4.9.7.1, this is an llms.txt file, used by LLMs to index the site. # Lending solutions - Rubyx digital lending Data-driven platform lending platform ## Sitemaps - [XML Sitemap](https://www.rubyx.io/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Why Traditional Credit Data is Not Enough for the African Borrower](https://www.rubyx.io/why-traditional-credit-data-is-not-enough-for-the-african-borrower/) - The biggest challenge for African lenders is the sheer volume of "credit-invisible" consumers. Because traditional bureaus primarily collect self-reported data from banks and microfinance institutions, a borrower who has never taken a formal loan but has run a successful market stall for ten years will often return a "No Score" or "Thin File" result. In - [How Rubyx Powers Embedded Lending for Financial Institutions](https://www.rubyx.io/how-rubyx-powers-embedded-lending-for-financial-institutions/) - Rubyx sits at the heart of this revolution as a B2B2B/C fintech engine. We provide the critical link that allows financial institutions to tap into new customer bases by leveraging the data generated on digital channels to power sustainable, risk-based lending. - [Brief History of Credit Scoring](https://www.rubyx.io/brief-history-of-credit-scoring/) - Denis A brief history of credit scoring, from the early days in 1950 US to alternative data as a strong tool for financial inclusion a the credit gap in Africa - [Rethinking MSME financing: It's your customer's digital transformation that matters](https://www.rubyx.io/rethinking-msme-financing-its-your-customers-digital-transformation-that-matters/) - To build a new lending model that’s healthier, more sustainable and more inclusive, it may help banks and MFIs to stop worrying about their digital transformation and look more closely at how their customers are transforming – in many cases, thanks to digital platforms. - [Who’s fault is it when the customer defaults?](https://www.rubyx.io/whos-fault-is-it-when-the-customer-defaults/) - Lending to small-scale entrepreneurs in emerging markets comes with many risks. Financial realities are complex, revenue streams are inconsistent, and borrowers can often find themselves short of funds. When they don’t pay on time, or default, it’s their fault. Isn’t it? - [How automated loan renewals put people at the centre](https://www.rubyx.io/how-automated-loan-renewals-put-people-at-the-centre/) - Alex is a return customer with an excellent repayment history for his MSME business loans. So why does his West African microfinance institution keep treating him like a stranger? - [Why nano loans are huge](https://www.rubyx.io/why-nano-loans-are-huge/) - For informal MSME (micro, small and medium enterprise) entrepreneurs in the developing world, microfinance loans with 12-month terms can help them launch businesses, buy stock, refurbish their shops and pay their employees. But what if smaller nano loans could help them do a whole lot more? - [Is this the end of expert scorecards?](https://www.rubyx.io/is-this-the-end-of-expert-scorecards/) - Expert scorecards are one of the most widely adopted credit scoring approaches, especially among microfinance institutions active in emerging markets. But with recent analytical advances in credit scoring algorithms, are expert scorecards still a valid approach to determining creditworthiness? - [Want to deliver a better user experience? Do better user research](https://www.rubyx.io/want-to-deliver-a-better-user-experience-do-better-user-research/) - A lack of time, skills and focus are common hurdles when it comes to doing user research. As a smaller tech company or financial institution, what can you do to overcome these? - [Our story](https://www.rubyx.io/our-story/) - We started Rubyx to help lenders focus on what can make the most difference, for the most people, as profitably as possible. And it works. Advans followed up a successful pilot with loan disbursement to 15K people in 5 countries. We’ve partnered with CGAP to deploy our solutions in 5 MFIs around the world. And that’s just the beginning. - [Lessons from the field](https://www.rubyx.io/lessons-from-the-field/) - Thomas Carrié is Chief Customer Officer at Rubyx, and brings 20 years’ experience in African development, microfinance, and project management to his role. We talked about the lessons he’s learned in the field, and how you can only build the best products if you know the people you’re building them for. - [Good data analysis begins with good questions](https://www.rubyx.io/good-data-analysis-begins-with-good-questions/) - Sustainable lending is built on good data analysis – and you can’t do good data analysis without asking the right questions first. Find out why, in this interview with our Chief Data Officer Giorgio Rivero. - [How we overcome loan officer scepticism in algorithmic credit scoring implementation](https://www.rubyx.io/how-we-overcome-loan-officer-scepticism-in-algorithmic-credit-scoring-implementation/) - Credit scoring solutions are useless unless they’re fully embraced by the stakeholders they’re meant to serve. How can you overcome loan officer scepticism and build trust in the solution to ensure successful implementation? - [Embedded lending as a mechanism for expanding access to loans](https://www.rubyx.io/embedded-lending-as-a-mechanism-for-expanding-access-to-loans/) - What is embedded lending – and how does it promise to broaden financial inclusion for people in developing markets? Discover how the growing digital footprint of MSME entrepreneurs may be the key to expanding financial access. - [5 challenges to offering digital loan services to your users](https://www.rubyx.io/5-challenges-to-offering-digital-loan-services-to-your-users/) - Digital loan products aren’t built in a day. Startups and scaleups looking to create their first digital loan product for their users must overcome these 5 challenges – and perhaps get inspired by Senegal-based digital wholesaler Maad. ## Pages - [Terms and conditions](https://www.rubyx.io/d6-terms-and-conditions/) - [pdf-embedder url="https://www.rubyx.io/wp-content/uploads/TC-FINAL_EN_22.02.2024.pdf"] - [Terms of service](https://www.rubyx.io/terms-of-service/) - Effective Date: May 06, 2025 Welcome to https://www.rubyx.io (the “Website”), operated by PRIME NUMBERS, a sociétéà responsabilité limitée, organized and existing under the laws of Belgium, with itsregistered office at rue Saint-Martin 21, 4217 Héron, Belgium, registered at the CrossroadsBank for Enterprises (Banque-Carrefour des Entreprises) under number 0784.716.637,(hereinafter referred to as “the Company”, “we”, “our”, - [Information security](https://www.rubyx.io/information-security/) - [pdf-embedder url="http://www.rubyx.io/wp-content/uploads/ISMS-Information-Security-Policy.pdf"] - [Privacy Policy](https://www.rubyx.io/privacy-policy/) - Who we are Our website address is: https://www.rubyx.io/. Comments When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided - [Careers](https://www.rubyx.io/careers/) - [About](https://www.rubyx.io/about/) - [Resources](https://www.rubyx.io/resources/) - [Contact](https://www.rubyx.io/contact/) - [Solutions](https://www.rubyx.io/solutions/) - solutions excerpt ## Categories - [Uncategorized](https://www.rubyx.io/category/uncategorized/) - [Inspiration](https://www.rubyx.io/category/inspiration/) - [Inside Rubyx](https://www.rubyx.io/category/inside-rubyx/)