#1 Pioneering the future of financial inclusion
Our AI agent SimONE is changing the way we prevent delinquency by predicting behavior and treating customers before default
At Ubiquity AI, we are on a mission to promote financial inclusion by ensuring financially-fragile customers remain included. Great for consumers, great for lenders, great for customer retention.
Unlike debt collectors, we preempt delinquency, helping lenders reduce charge-offs, collection costs and impairment provisioning.
Ubiquity AI – with our strategic partner ResolvSA – is revolutionizing delinquency prevention and collection through cutting-edge artificial intelligence and other innovations like customer behavioral-intent segmentation.
Our AI agent, SimONE, is based on behavioral science. SimONE identifies and helps financially-fragile customers avoid or manage delinquency, more cost effectively and efficiently than internal collection teams and external debt collectors.
We guarantee a lower forward roll rate compared to any other debt management provider.
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.
of customers had a positive experience with SimONE
About us
Transforming financial services through AI innovation
Cutting-edge AI agent
Innovative debt prevention and consumer counselling
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
Beyond the current AI hype, we are addressing a complex problem that affects millions
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.
Lowest roll-in rate
RPC rate
PTPs vs other digital
Ubiquity AI participated in a pilot with BNP Paribas and its leading debt collectors in South Africa
NPS score
Blocks on WhatsApp
Our services
AI is the ultimate financial inclusion solution as a highly scalable engagement technology at zero marginal cost
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
Years of NLP and analytics experience
Average team's industry experience
Global award
1/
Unmatched Efficiency
2/
Financial Inclusion for All
3/ Unprecedented Success
4/
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
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.