Julaya’s Lending Service: A Game-Changer for Small Businesses

In the rapidly evolving landscape of financial technology, Lending-as-a-Service (LaaS) platforms have emerged as game-changers, providing innovative solutions for individuals and businesses seeking quick and efficient access to funds. In this interview with Mathias Léopoldie, CEO of Julaya, we present Julaya's experience, shedding light on the transformative impact it has had on their journey.

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.

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.

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?