SimONE is an AI-native collections platform built for the public sector — identifying financial stress early and resolving it through intelligent, empathetic engagement.
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Selected from over 260 applications across 34 countries, Ubiquity AI has been named a Top 30 finalist in the AfricaTech Award — VivaTech's pan-African competition identifying the continent's highest-impact startups, judged by Deloitte and a panel of global investors and tech leaders.
A predictive, AI-native system that identifies risk early and resolves it through adaptive engagement.
SimONE replaces reactive collections with proactive, adaptive engagement — operating across your entire arrears book simultaneously.
Detect financial stress before missed payments occur.
Detect intent, hardship, and affordability dynamically.
Generate payment plans that actually hold.
Engage every account simultaneously at near-zero marginal cost.
Influence payment behaviour through precisely timed, psychologically informed prompts — without pressure.
SimONE doesn't just recover debt. With an NPS of 74, it leaves customers feeling heard — driving loyalty, not resentment.
SimONE has demonstrated performance under rigorous compliance conditions in the EU and South Africa.
Follow our thinking on AI, collections, economics and the future of financial engagement.
Run a pilot alongside your existing approach and measure impact end-to-end.
Start your pilot