#1 Pioneering the future of financial inclusion

Our AI avatar SimONE is revolutionizing delinquency prevention and collection

At Ubiquity AI, we are on a mission to promote financial inclusion by preventing financial exclusion. Delinquency leads to economic marginalization. 

Ubiquity AI – with our strategic partner ResolvSA – is revolutionizing delinquency prevention and collection through cutting-edge artificial intelligence and other innovations like customer intent segmentation

Our AI avatar, SimONE, is based on behavioral science. SimONE not only identifies and helps financially-fragile customers avoid or manage delinquency, but is also designed to provide other products and solutions that empower people. 

When people face financial hardship, they prefer engaging an AI agent as opposed to a call center agent. And we have the data to back this up. 

SimONE recently competed in a Champion-Challenger pilot with BNP Paribas against its panel of external debt collectors. SimONE crushed the incumbents :

* 98% WhatsApp penetration rate, and no blocks

* 74% Net Promoter Score 

* 25% Right Party Contact Rate (of total unique accounts)

* lowest roll-in rate compared to the lender and its external debt collection panel.  

Get in touch and discover how our tech and expertise will transform your business and help towards empowering millions.

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About us

Transforming financial services through AI innovation

Cutting-edge AI chatbot technology
Innovative debt prevention and collection solutions
Unmatched efficiency and engagement rates
Award-winning fintech start-up

Our vision

Our vision is to create a world where everyone has access to fair and equitable financial services, especially when facing financial hardship. AI is a near zero-marginal cost technology can used for the social good in circumstances where traditional methods and business models simply do not work. 

Specialization

Next-gen AI technology for financial services

Our values:
Innovation and progress

We are striving to create a  world where every individual has access to empathetic, intelligent financial support, promoting economic stability and growth 

Preventing delinquency prevents economic marginalization. 

Accessibility and inclusion

We believe everyone should have access to fair and equitable financial services, regardless of their background or circumstances.

SimONE is proactive and designed to engage customer at the moment of maximum impact. 

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Lowest roll-in rate

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PTPs vs other digital

Ubiquity AI participated in a pilot with BNP Paribas and its leading debt collectors in South Africa

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Blocks on WhatsApp

Our services

AI-powered debt prevention and collection services promotes financial inclusion

Why AI?

SimONE helps with keeping customers, paying accounts and bills, selling more, and selling other products. 

AI avatars like SimONE can talk to financially-fragile people more effectively, overcoming stigma and fear, and make plans that fit their situation and circumstances. 

AI is also highly scalable and simply gets better with each interaction. 

 

Debt Prevention and Collections

Collecting debt is getting more difficult as lenders set aside more money for possible losses. Lenders and debt collectors struggle with avoiding calls and low response rates. 

Our advanced AI technology is extremely customer-centric and effectively helps businesses prevent and collect debt.

 

AI doesn't have to kill jobs

SimONE doesn’t replace people. It helps people perform better by doing basic tasks for them, so they can focus on higher value  tasks. 

We work with ResolvSA, an incredible BPO company, to offer an excellent, seamless  customer experience using our combined technology and expertise.

 

Financial and Economic Inclusion

We provide innovative technological solutions for financial and economic inclusion, empowering communities and creating opportunities for growth and development.

We have developed a suite of pre-delinquency strategies to help consumers avoid delinquency and manage delinquency as painlessly and efficiently as possible. 

Customer preferences

People are changing. We need to adapt too. Call center harassment and text-bombing are things of the past.

Consumers prefer asynchronous engagement, where they consider an issue and respond in their own time.  People also prefer to self-cure. SimONE is optimized for these realities.  

 

Customer intent segmentation

Understanding your customers’ financial health is crucial. Knowing when and why their situation changes allows you to offer better solutions, optimize resources, and increase success rates. 

We’re committed to identifying financial fragility and developing effective support via behavioral-intent segmentation-based strategies. 

 

Why choose us

Empowering financial inclusion with AI

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Years of NLP and analytics experience

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Global award

1/
Unmatched Efficiency
Our AI chatbot delivers higher engagement rates and better outcomes than traditional debt prevention and collection methods.
2/
Financial Inclusion for All
We’re committed to expanding financial and economic inclusion for people across the world, particularly those who have been historically underserved or excluded.
3/ Unprecedented Success
Our AI chatbot, SimONE, has achieved an impressive 98% WhatsApp penetration rate, a 74% Net Promoter Score, and 25x higher engagement than traditional methods.
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Award-winning Innovation

Ubiquity AI has been recognized with prestigious French innovation award and is a YEI Laureate – for our innovative technology approach to customer-centric debt prevention and collection.

FAQ

Find answers to commonly asked questions

Our AI chatbot, SimONE, uses natural language processing and machine learning to engage with customers and provide personalized debt prevention and collection solutions.

We are a B-B-C service technology company that provides customized engagement solutions primarily aimed at promoting economic and financial participation. We combine technology, language and behavioral science designed to persuade consumers. 

We take data privacy and security very seriously. Our solutions are built with state-of-the-art AWS encryption and security protocols to ensure the highest level of protection for our clients and their customers. Our IT, Cyber Security  and corporate governance policies meet EU and South African standards and will be made available upon request. 

Ubiquity AI is currently piloting SimONE with multiple clients. In our first pilot, SimONE, surpassed our expectations, achieving an unprecedented success with a 98% WhatsApp penetration rate, 74% Net Promoter Score, the lowest roll-in rates compared to the client and its external debt collectors, and recorded the highest collection yield in the pilot.

Yes, our solutions include debt prevention, collection, and rehabilitation to help businesses and individuals achieve financial success. We apply a scientific approach to consumer behavior when people become financially-fragile and as a result, people really appreciate and engage with SimONE. 

Our AI chatbot, SimONE, provides personalized, accessible solutions that can help individuals and businesses overcome financial barriers and achieve their goals. When people become financially-fragile, the main obstacle lenders face is their strategies are reactive and only activated when a customer becomes delinquent. There main issue lenders then face is customer call-avoidance. SimONE helps customers understand the implications of their choices and provides options to avoid or better manage delinquency.   

Yes, while we primarily designed SimONE to assist financially-fragile customers avoid and manage delinquency, our unique insights, behavioral-change approach and ability to effectively engage this segment of the market makes SimONE the perfect platform to provide tailored customer solutions across multiple industries from healthcare management to telecommunications. 

Contact our team today to learn more about our solutions and how we can help you achieve your financial goals with our cutting-edge AI technology.

Let's get started

Join the AI-powered financial inclusion revolution today

With our cutting-edge AI chatbot technology, we’re transforming the financial services landscape and on a mission to empower millions of people. Join us today to see what we can achieve together.