Nowadays, the value of earning passive income is common place and rightly so. It is in effect, the act of earning money while you sleep and very few things seem as appealing as that. Instead of trading your time for money, you earn money as time passes without little to no effort on your part. We see this daily in portfolio investments whereby a one-time decision allows the investor to supplement their income. Fortunately, there is a way you can have an opportunity to earn a passive income and even if you already have a source of this type of revenue, why not supplement it. …

From its inception, financial technology (Fintech) has been both hailed and criticized as a disruptive force and rightly so. Fintech has threatened the provision of traditional finance services and has every intention of overthrowing the more archaic financial institutions. These institutions include traditional banks, credit unions, investment companies, brokerage firms and insurance companies. They each provide specific services and previously faced competition solely from institutions in their own line of work. However, Fintech companies have arisen to serve the underserved segment of the population through channels that are more flexible and very often, provide better and faster service. Arguably, criticism of its emergence is unfounded. …

Managing your finances can be a hassle. You need to have a budget and become your own personal accountant. Plus, being your own accountant means that you are constantly aware of bills, bills, bills. For example, sometimes when I want to watch my favorite show to relax after a busy day, just as I turn on my DSTV, a notification pops up saying my subscription is expired. I try and remember how I could have forgotten but in that moment it does not matter. I just have to deal with it and try and pay my subscription with my phone, only to find that my data has finished. …

The impact of the COVID-19 pandemic on the world economy has been destabilizing. Global unemployment has shot up at very high rates. In the United States, it was anticipated that March would see a loss of 100, 000 jobs, however, March saw a loss of 701,000 jobs around the US. It is likely that this number could be much higher due to less than average census response rates and a number of workers identifying as “employed but absent from work” as they hope that their jobs will be waiting for them in the event that this economic situation passes. This sentiment is similar to what we can see all around Africa. …

Don’t bank with us, no don’t! Play with us instead, yeah… where do you play?

You’ve been served these boring lines long enough: … bank with us, save and win, get prosperous, one family bank,……..

The speed of everything, every other thing aside banking, is neck-breaking. Everything is on steroids these days. Everything is taking double steroidal doses, actually….

Let’s see what changed:

Banks saw “customers”, but there are “social media people”, Banking was the serious thing, social was for unserious people….The customer was the customer”, Bank was “bank”, not anymore!… The bank won, the customer lost! not anymore

We believe what you believe, so we moved quickly, to join you at your playground. We believe you must earn, while the bank earns, win-win… We take banking to where you play, we keep rolling out new playgrounds — a sleek app, dedicated customer service, apps to power social engagements….. …

Yeah, I’m only different. I’m just as good (…hnmm if you agree) to Peter as I am to Paul. However, I’m one thing to a carpenter and a different thing to a sailor. I feed the sailor’s fancy and hail the masculinity of the carpenter, I tell them uniquely peculiar stories. Think about it for a minute, “so, I docked May Flower (ship) neatly after the elegant sail” says the sailor to end the story of his voyage. I set up a pair of elegantly docked wood to begin the long day, says the carpenter. What an oxymoron. …

Banking isn’t what we set out to do, we simply love inclusiveness…. we wanted a win-win world. Those are our WHYs of Rubies………….

The strong following of Rubies shows how badly people want the win-win world! as much as we do…. We need “collectiveness” to achieve whatever we all believe in, that’s why your continuous word-of-mouth campaign is all we need to collectively bring modern-day banking to all….

Historically, time and again we saw WHAT great folks did was NOT as important as WHY they did what they did…. The same holds till today!, Rubies isn’t as important as the WHY of Rubies: Freedom. Control. Inclusiveness. Empowerment. …