Rubyx

What they do:

Leveraging their expertise in data science, behavioural economics, and human-centered design, Rubyx drives a lower cost-of-entry to A.I. capabilities to make scoring algorithms easy to understand so that the power of data benefits all. Their cloud-native, API-driven digital lending platform enables service providers to rapidly launch innovative loan products and meet the evolved expectations of borrowers. Their core product, named “D6” is a data insights program developed and integrated with core banking systems for clients such as micro-finance institutions and fintechs.

Why we invested:

We invested in Rubyx because of their groundbreaking approach to democratizing AI capabilities in the financial sector. By combining data science, behavioral economics, and human-centered design, they have developed a platform that simplifies scoring algorithms, making data-driven insights and affordable credit accessible to all.

The Founder:

Denis Moniotte is a fintech entrepreneur for financial inclusion. He is currently the co-founder and CEO of Rubyx, a global start-up specializing in the development of digital credit portfolios for micro-entrepreneurs and SMEs in emerging markets. Based on an innovative approach combining service design and behavioral analytics, Rubyx is growing fast and operates in more than 10 countries and processes data from over 2 million micro businesses in less than 3 years.

Denis studied development economics and law and started working for major European financial service providers in large technology transformation projects. He has 20 years of experience in implementing disruptive digital products for financial services, including 15 years in Africa and Asia. For nearly 10 years, he developed and led the digital strategy of the Baobab Group, positioning it as the leading microfinance group in Africa.

Active in:

Senegal, Ivory Coast, with clients across Africa and Asia.