01 ENGAGE
Your payment is overdue. Can we help?
My hours have been cut.
Let's explore your options.
On channels institutions already use
THE PROBLEM WE ALL UNDERSTAND
Have you ever missed a payment and been chased by a creditor?SimONE understands why and finds better solutions.
COLLECTIONS IS BUILT AROUND THE WRONG SIGNAL
A missed payment is not a diagnosis.
The same late account can mean very different things.
TRADITIONAL COLLECTIONS
One missed payment.
One response.
One response.
The system defaults to the same sequence every time.
Reminder
↓
Reminder
↓
Escalation
THE MISSING INTELLIGENCE
Different causes.
Different treatment.
Different treatment.
When you know the cause, you can match the right response.
💬EngageUnderstand what changed
📊AssessPlace the case in FVRSI
🧭ActChoose the right next step
INTRODUCING SIMONE
SimONE: The behavioural payment intelligence layer
Turning payment failures into customer intelligence and better collections.
02 UNDERSTAND
Income disruptionHealth or familyBilling disputeAbility + intent
What actually changed
03 ASSESS
FVRSI 10-band vulnerability scale
110
Dynamic vulnerability context
04 ACT
Pay nowMake an arrangementSupport + retentionHuman handover
Governed next-best treatment
TRACTION · FROM RESEARCH TO MARKET
SimONE is the culmination of two decades of research.
Now proven in banking, integrated in municipal revenue, and recognised globally.
✦
BNP PARIBAS
BANKING PROOF
SimONE beat the incumbents.
A champion-challenger pilot showed stronger digital collections performance and a better customer experience.
~10× digital PTP
25% RPC
74 NPS
MUNICIPAL REVENUE
Integrated inside a live municipal environment.
SimONE now sits inside an operational revenue workflow, ready to prove repeatable collection value.
Vendor rail
Client environment
Yield validation
GLOBAL RECOGNITION
Recognised on the world stage.
Ubiquity has been selected by respected global platforms that recognise category-defining companies.
2080 Ventures Top 10
VivaTech AfricaTech Top 6
Founder showcase finalist
EVIDENCE · BANK PILOT
Version 1.0 already beat the incumbents.
What mattered was simple: stronger digital collections performance and a better customer experience.
4.9%
Digital promise-to-pay
About 10× the incumbent digital benchmark.
25%
Right-party contact
A material lift in actual customer engagement.
74
Net Promoter Score
Consumers loved being treated with dignity.
REVENUE · ONE CITY
One city can already be meaningful recurring revenue.
Illustrative annual run-rate.
MONTHLY VOLUME
225,000
billable triggers
CONTRACTED PILOT RATE
$0.06
per engagement
74%
Modelled gross margin
MODELLED ANNUAL REVENUE
$162K
per city · per year
DISTRIBUTION · EXISTING RAILS
One integration. Many institutions.
Acquisition through the engagement infrastructure municipalities already use.
4Maccounts covered by the Du Engage rail
6SA municipalities configured
Du Engage
existing rail
existing rail
→
SimONE
one integration
one integration
→
Institution 1, 2, 3…
incremental triggers
incremental triggers
Additional institutions on the same rail can add triggers without a fresh SimONE integration.
Covered and configured accounts are potential distribution reach, not guaranteed active or billable users.
UPSIDE · OUTCOME PRICING + TARGET MARKETS
The upside is not just messaging. It is yield.
The same collections problem exists in municipal and utility environments across South Africa, the UK and the US.
POTENTIAL RECOVERY FEE
3%
of attributable recovery
Agreed commercially as a potential outcome-pricing model. Separate from per-engagement revenue.South AfricaUnited KingdomUnited States
SOUTH AFRICAN MUNICIPAL ARREARS
$27bn
A large and persistent public-sector collections problem.
LONDON COUNCIL-TAX ARREARS
£1.9bn
A clear illustration that this problem is not unique to one country.
NEW YORK
US
A strategic entry point into large-city public collections and revenue recovery in the United States.
THE PEOPLE BEHIND SIMONE
Two decades of domain work. The team to deliver it.
FVRSI's foundations were developed in 2007 with the Bureau for Economic Research.
Kaveer Beharee
Founder & CEO
20 years in credit policy, financial vulnerability and financial services.
CJ Walker, PhD
Computational Linguistics
Language systems and applied AI expertise spanning four decades.
Rahel Bailie
Head of Content Operations
International expertise in content strategy and content operations.
Steve Forde
Chief Operating Officer
Operations, delivery and commercial execution.
OUR NEXT PRIORITIES
What we need to scale now.
Three clear priorities. One simple outcome: repeatable deployment.
CAPITAL
Close the $750K round.
Fund delivery, prove collection yield, and build repeatability fast.
DISTRIBUTION
Replicate through government vendors.
One integration can unlock multiple municipalities and utilities on existing rails.
INTERNATIONAL EXPANSION
Enter the US and UK.
Work with city partners, government vendors and lending institutions in both markets.