Brief History of Credit Scoring Uncategorized Credit scoring has become an essential part of modern financial systems, powering decisions on everything from personal loans to multi-million-dollar corporate credit lines. But it wasn’t always this way. The history of credit scoring reflects a fascinating evolution, from handshake deals and subjective judgments to sophisticated algorithms and AI-driven risk assessments. The Origins – Trust […] Denis Moniotte May 8, 2025
5 challenges to offering digital loan services to your users Inspiration 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. Thomas Carrié December 26, 2023
Embedded lending as a mechanism for expanding access to loans Inspiration 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. Denis Moniotte November 21, 2023
How we overcome loan officer scepticism in algorithmic credit scoring implementation Inspiration 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? Damien Jacques August 2, 2023
Good data analysis begins with good questions Inside Rubyx 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. Awa Marie Gaye June 21, 2023
Lessons from the field Inside Rubyx 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. Astrid van der Flier May 5, 2023
Our story Inspiration 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. Denis Moniotte April 26, 2023
Want to deliver a better user experience? Do better user research Inspiration 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? Astrid van der Flier March 15, 2023
Is this the end of expert scorecards? Inspiration 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? Damien Jacques February 9, 2023
Why nano loans are huge Inspiration 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? Denis Moniotte January 9, 2023
How automated loan renewals put people at the centre Inspiration 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? Thomas Carrié December 2, 2022
Who’s fault is it when the customer defaults? Inspiration 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? Damien Jacques November 2, 2022
Rethinking MSME financing: It’s your customer’s digital transformation that matters Inspiration 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. Denis Moniotte October 3, 2022
