Rubik Financial is NOCO2 certifiedRubik aims to provide a Bank In A Box capability to 75% of the financial institutions in Australia and New Zealand, using its highly scalable hosted solution to reduce the costs to customers by over 30%.
Financial institutions have cost to income ratios from 45-80% - 10-30% of this cost is the technology, hardware and people required to provide the systems to operate the organization and meet the regulatory and compliance requirements. Our solution is:
- Flexible- A suite of integrated systems for meeting banking system needs, allowing easy access for third party solutions
- Low Cost - Decrease complexity & cost to 30% of current costs
- Hosted - Provide a secure T4, highly available 99.95%, compliant environment with superior Business Continuity.
While we are developing the Bank-In-A-Box value proposition, we continue to sell 4 main product lines; Phone & Mobile Banking, Online Banking & Security, Cards & Payments, and Collections. These provide revenue and customer relationships.
Rubik has an existing relationship with 90%+ of financial institutions in Australia and New Zealand. Financial Institutions in Australia are profitable, well regulated and well regarded internationally. Products developed for this market are considered sophisticated and success here would allow international expansion of both product lines and value proposition in the future.
Climate change strategyIn early 2009, Rubik commissioned the Carbon Reduction Institute to undertake a complete carbon footprint audit on the business to see what actions can be taken to reduce the impact Rubik's operations have on climate change. The audit included emissions from electricity usage, flights taken by Rubik staff; fuel usage and waste; staff work travel and staff commuting from and to work; and embodied emissions in Rubik's assets and expenses items.
Rubik now purchases carbon credits from the Karnataka Renewable Energy Project in India to offset their emissions. These carbon carbon offsets are accredited under the Voluntary Carbon Standard and have been third-party audited by DNV. The Project has been registered under the United Nations Clean Development Mechanism since 2007. To find out more about the credits Rubik purchases to offset its emissions please click here.
By undergoing regular quarterly emissions monitoring and annual re-auditing, Rubik can now claim that it is a truly carbon neutral business.
Rubik Management Team
Brent Jackson – CEO, Stephen Kunkler – COO, Nick Moser – CFO, Steve Warren – Sales Director
More Information at:
www.rubik.com.au or ASX:RFL
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