Our winning lending tech stack
Our modular platform provides everything you need to accelerate loan product innovation and lend at scale.
Cloud-based, API-driven, single codebase and multi-tenant for reliable, future-proof services.
Intuitive dashboards for your front-line staff and well-documented APIs for your developers.
4 complementary solutions for end-to-end lending ops
Analyze your data efficiently without burdening your operational systems
Exportable Data Sets
Our predefined data model allows us to get your warehouse up and running in no time.
Automated data correction and enrichment
Our corrections improve the quality of data coming from various sources. Enrich it with key performance indicators and risk metrics.
Accurate reporting and alerts
Well-structured data allows for reliable reporting and makes it easy to respond to demands of different departments.
Import data into BI solutions such as Google Data Studio, Qlik, PowerBI, Tableau or Custom SQL Queries.
Comprehensive risk analysis
Our behavorial analysis framework makes it possible to define risk profiles in heterogeneous data contexts such as microfinance, e-commerce, payment provider, or telco, and for various applications including first loan, renewal, and debt collection.
Our risk approach is designed to generate pre-approved credit offers daily for each customer. The optimal amounts are defined by maximizing the profit by accounting for the probability of intake and default of each offer.
Tailored scoring strategies
Each scoring strategy is unique and can be customized to take into account the specifics of each institution. Different scoring strategies can also be deployed in parallel on different customer segments or for A/B testing.
Continuous risk monitoring
Risk exposure is continuously monitored in order to adapt credit disbursements to repayment performance. This is also used for legal reporting to the relevant financial partners.
Data Intelligence to streamline financial operations
LOAN MANAGEMENT SYSTEM
A complete system for non-lenders
GDPR-compliant customer management
Rubyx manages KYC stages and levels, verifies the authenticity and validity of ID documents, and validates identities against sanction lists. In particular, ensuring that one real person cannot use multiple digital profiles to borrow and bypass the limits.
Lending services require a dedicated loan management system for back office and bookkeeping, ensuring that all disbursed loans are properly created, managed and recorded on the bank’s books.
Borrowers can receive funds and repay their loans using electronic money transfers from a bank or mobile money account. This is a crucial feature of offering a lean customer experience where the digital loan offer integrates seamlessly with the existing financial services used by the borrowers. Rubyx pre-integrates with third-party payment gateway providers offering APIs for your development team to integrate with your existing payment system.
A responsive Web Application provides the staff with an overview of portfolios on different levels of your organization. A Series of dashboards allows the operational team to monitor the risk and performance of your customers and loans.
A white-labeled mobile app gives your borrowers a complete view of their loans and credit scoring. Borrowers can perform disbursement and repayment anytime with a few clicks on their smartphone.
Enhance your digital platform with our Lending-as-a-Service platform. We offer APIs to integrate your existing systems seamlessly for technical teams.
We offer BI tools for your data analysts to unleash the full potential of the Rubyx data warehouse. Or you can choose your own tools that you feel most comfortable with.
The power of data in the hands of your staff
EXAMPLES OF TECHNOLOGY WE RELY ON