Any time you are engaging with a financial institution for the first time, there is the dread that comes with endless paperwork and request for documentation. Know your customer (KYC) procedures continue to lengthen customer on-boarding which often leaves the customer frustrated based on the increasing number of relationships that they have with financial institutions.
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When someone says Ruby, the first thing that comes to mind is the precious stone or the name Ruby. In tech, it has a whole other meaning. Ruby is a programming language much like the more commonly known Java or Python.
Retail credit or (consumer credit as it is also popularly known) may be defined as the provision of loan products to the general public by a financial institution for the sole purpose of acquiring goods and services.