SimONE is purpose-built for the public sector — powering revenue recovery for cities, municipalities, and utilities worldwide. Powered by the Financial Vulnerability Risk Scoring Index (FVRSI), it finds the optimal path to payment while genuinely assisting the people behind every account. Also deployed for retail lenders and property rates & tax collection.
The Financial Vulnerability Risk Scoring Index (FVRSI) classifies every account on a 10-point scale — from a simple transaction failure to structural destitution — so SimONE always knows the right way to engage. Click any score below to see how it's defined.
Lost card, locked app, date misalignment. The person has the money — the payment just didn't go through. Highest recovery rate of any category.
Job loss, retrenchment, health crisis, housing disruption. Severity varies enormously — a broken leg differs from cancer or permanent incapacitation.
Structural misalignment between income and obligations. The person is employed, but spending consistently exceeds income. Needs formal debt counselling.
A single score that tells you not just whether someone is behind — but why, and what to do about it.
Every account is different. FVRSI identifies whether you're dealing with a lost bank card, a job loss, over-indebtedness, or genuine destitution — before you ever make contact.
From a single courtesy nudge to a compassionate hold, FVRSI routes every case to the intervention that actually fits — not a one-size-fits-all collections script.
Structural destitution and severe emergencies are flagged for welfare referral, not collections pressure — keeping recovery efforts focused where they belong.
Resolving transactional failures and early-stage stress fast lifts recovery rates while preserving the relationship with the consumer.
FVRSI runs in real time across an entire book simultaneously, at near-zero marginal cost per account.
Every score — and the reasoning behind it — is logged, giving regulators, auditors, and boards a transparent record of how vulnerability was assessed and acted on.
Debt recovery is the most visible use case — but it isn't the only one. Every interaction SimONE manages is fair, transparent, and calibrated to the person on the other end, rather than a blanket enforcement action. That builds something governments need everywhere, whether or not arrears are a problem: trust between the state and the people it serves.
No blanket enforcement. FVRSI ensures a resident facing genuine hardship is met with support, not pressure — and one who can pay is engaged accordingly.
Consistent, explainable engagement — not opaque escalation — gives citizens a government interaction they can predict and trust.
A government seen to treat its people with dignity earns goodwill that extends well beyond the transaction — into voluntary compliance, civic participation, and reputation.
SimONE's primary mission is government revenue infrastructure. It also extends cleanly to adjacent revenue relationships.
Recover rates and service charges while protecting indigent registration integrity — routing genuinely destitute residents to support, not enforcement.
Distinguish a burst-pipe emergency from a payment that simply didn't go through — and resolve both, without cutting off supply to someone who can't afford it, or losing revenue from someone who can.
Separate strategic non-compliance from genuine hardship across a mass taxpayer base, and act on each differently — improving voluntary compliance instead of just chasing arrears.
Move beyond blunt days-past-due triggers. Detect early financial stress before a loan rolls into default, and offer the right forbearance to the right customer at the right time.
Selected from over 260 applications across 34 countries, Ubiquity AI has been shortlisted as a Top 6 finalist in the AfricaTech Award — VivaTech's pan-African competition, judged by Deloitte and global investors. The only South African company in the final six.
Our formal response to government on the withdrawal of the Draft National Artificial Intelligence Policy — and what it means for South Africa's AI future, innovation pipeline, and regulatory readiness.
The unease you feel isn't paranoia. As democracy is quietly gutted and information systems fracture, we are living through a collapse of the epistemic foundations that hold societies together.
Our formal submission to government on South Africa's AI regulatory framework. Download the full document.
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.
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