Introducing Rubyx solutions

Discover our data-driven digital lending platform

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Credit scoring

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

Decision model

Decision engine for loan applications : Automate the evaluation of loan applicants using fully configurable decision trees.

Collection score

Focus your recovery actions where it matters using probability of recovery for customers in arrears.

Nano loan score

Generate tailored nano loan offers for borrowers and non borrowers.

Automated renewal score

Push tailored loan renewal offers to the best customers in your portfolio..

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.

  1. Create new customers

    Manage the entire client journey, providing your frontline with a supporting tool to optimize the commercial relationship and maximize customer lifetime value.

  2. All you need to know in one place

    Get a unified 360° view of customer information, encompassing all interactions, financial behavior, risk profile communication history and product holdings.

  3. Leverage data warehouse for tailored segmentation and listing

    Categorize customers based on their behavior into meaningful groups that provide insights from both a business and risk perspective.

  4. Visualize and easily understanding behaviors

    Quickly understand customer behavior using tailored business metrics and visualizations.

  5. Strengthen your collection effort

    Manage and optimize debt recovery processes through tailored performance metrics, customizable strategies and early warning systems ensuring effective and efficient collection outcomes.

  1. Manage the entire client journey, providing your frontline with a supporting tool to optimize the commercial relationship and maximize customer lifetime value.
  2. Get a unified 360° view of customer information, encompassing all interactions, financial behavior, risk profile communication history and product holdings.
  3. Categorize customers based on their behavior into meaningful groups that provide insights from both a business and risk perspective.
  4. Quickly understand customer behavior using tailored business metrics and visualizations.
  5. Manage and optimize debt recovery processes through tailored performance metrics, customizable strategies and early warning systems ensuring effective and efficient collection outcomes.

Create new customers

All you need to know in one place

Leverage data warehouse for tailored segmentation and listing

Visualize and easily understanding behaviors

Strengthen your collection effort

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.

Share your existing data structure or use our proprietary data model to feed our cloud-based data warehouse and benefit from our advanced data quality controls to identify any issue in your data, ensuring continuous reliability.

Monitor the daily evolution of your portfolio, including dedicated tools for risk monitoring such as vintage analysis and roll rates visualizations.

Customize your own reports for financial and operational performance and provide direct access to your team with detailed data scope management.

Build automated workflows customized to your business and integrate our platform with any third-party application using our API portal and webhook module.

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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Simplify loan bookkeeping with our Core Banking Solution – Seamlessly integrated with all essential technical components for a streamlined experience.

Create a new loan application in the Core Banking System using our web interface.

Advisory Services

Benefit from years of experience in digitizing financial institution and deploying digital lending services in emerging markets.

Data analytics and credit scoring optimization.

Digital lending strategy

Risk management advisory

Loan product and customer experience design