Riby is a banking platform created for small and large cooperatives operating in financially excluded areas of the country, as well as large corporates. It provides a platform for managing community-based access to finance, savings, lending and investment – peer-to-peer, for groups and for individuals. Riby ensures that people can save, lend, borrow and invest their money transparently and securely with more control. Riby’s technology platform makes it easy to enlist members, manage data/financial records and provides live access to all dealings within the group. The platform also makes it easy to integrate into the formal banking system and access other support in the form of investments and credit facilities.