Company Profile

Business description

Rubean AG develops software for highest quality and security demands of banks and all corporations, which take an active part in electronic payment. Rubean’s latest developments in the daughter company Smart Payment Solutions (SPS) GmbH protect payments respective transactions, which are triggered from a smartphone, on a high security level. The solution à PhonePOS provides an onboarding and lifecycle management system for merchant terminals, purely based on commercial-off-the-shelf smartphones, complying with Mastercard and VISA requirements.

With a core staff experienced in information technology for banks, young app developers and a management which is experienced in international sales, Rubean will exploit the opportunities of the dynamic smartphone environment.

Market development and Competition

On a long term the payment of goods and services will happen without cash. The major part of payment will be conducted via personal smartphones. Requirements on these payment systems are high, as they have to be convenient and absolutely secure at the same time.

For the last three years Rubean has developed RubeanPay, enabling a fast, convenient and especially secure payment with smartphone and bank card. On 19th May 2016 a patent has been filed for RubeanPay. According to the German patent law §33 PatG Rubean AG can already after the publication of the patent application demand compensation from imitators and from the grant of the patent on prevent any imitation. Until 18th May 2017 Rubean can apply the patent additionally abroad. RubeanPay complies with the European Payment Service Directive PSD2 and therewith possesses competitive advantages.

Shareholder structure
Trade data
ISIN / WKN International Securities Identification Number (ISIN):
Securities Identification Number (Wertpapierkennnummer):
Symbol: R1B
Stock exchange Munich
Market segment Open Market
First day of trading Sept. 16, 2016
Initial price 5,15 EUR
Volume of shares 1.100.000 abearer shares
Volume of shares 1,1 Mio. Euro
Applicant and Listing Partner   Small & Mid Cap Investmentbank AG
Pricing intermediary Mwb fairtrade Wertpapierhandelsbank AG


Company key figures
* Up to date the Rubean group has generated revenue solely with the product "DRubeans"
** Up to the end of 2014 only Rubean AG has issued invoices to customers
*** From 2015 up to the stock exchange listing on August 2016, the consolidated revenue of the Rubean group consists of revenues of the daughter company RDS GmbH, which has been founded in September 2014
****   Forecasted Rubean group revenue until 31st of December 2016, secured by existing orders. Risk Disclosure: the forecasted revenue is without any warranty and just reflects the management's expectations for the according period.


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