Recover municipal revenue with greater precision.
Distinguish genuine vulnerability from avoidable non-payment, then intervene before arrears become entrenched.
Discuss citiesFinancial intelligence for a fairer tomorrow
The intelligence layer before collections.
SimONE helps organisations identify financial vulnerability earlier and improve outcomes.
- Proactively identify vulnerability
- Governed, personalized treatment strategies
- Fairer, more human customer experiences
Accounts across the ten FVRSI bands
Relative share of accounts, updated as customers engage
Selected band
7Long-term Jobless
The score changes
- Depth of engagement
- Timing and language
- Escalation pathway
Illustrative graphic. Not client data. Scoring methodology is proprietary and is never shown to the customer.
- 2020Young Enterprise LaureateFrench Government
- 2026VivaTech AfricaTech
Top 6 FinalistParis - 20262080 Ventures Global Showcase
Top 10 FinalistSan Francisco - 2026InthraOS SADS Accelerator
Selected CohortRiyadh
The information gap
The ledger records what happened. SimONE finds why.
Arrears are an outcome, not an explanation.
Traditional systems see a missed payment. They rarely see the event that caused it, or what could restore payment behaviour.
One treatment strategy wastes both trust and recovery.
SimONE distinguishes temporary stress, structural vulnerability and avoidable non-payment, then adapts the journey.
Better data must lead to a better next action.
Vulnerability intelligence becomes useful when it changes the message, timing, channel and escalation path.
How SimONE works
From customer truth to an adaptive next action.
A guided conversational journey captures structured context, calculates vulnerability in real time and adapts the next step within institutional policy.
Engage
A low-friction WhatsApp journey meets the customer where they already are.
Understand
Structured questions reveal payment stress, household shocks and willingness to resolve.
Score
FVRSI turns each response into a live financial vulnerability signal.
Adapt
The journey, message and escalation path change as the customer profile changes.
Learn
Outcomes improve segmentation, journey design and future interventions.
Financial Vulnerability Risk Scoring Index
Financial vulnerability, measured in real time.
FVRSI combines observed behaviour and structured conversational data to reveal risk that a billing or loan ledger cannot see on its own.
Designed for institutional use. The internal vulnerability score informs segmentation and journey logic. It is not shown to the customer, and the scoring methodology is proprietary.
| 10 | Indigent |
|---|---|
| 9 | Incapacitated |
| 8 | Fired & Overindebted |
| 7 | Long-term Jobless |
| 6 | Acute Job Loss |
| 5 | Moderate Emergency |
| 4 | Overindebted |
| 3 | Marginal Stress |
| 2 | Transactional Failure |
| 1 | Willful Non-payment |
The score matters for what it changes.
- Depth of engagement
- Timing
- Language
- Support options
- Escalation pathways
- Whether a human specialist steps in
Adaptive engagement
Each response changes the journey.
The customer is not pushed through a fixed script. SimONE adjusts the depth, language, timing and next action as new information arrives.
Policy remains in control
AI informs scoring, segmentation and journey adaptation. Consequential actions remain constrained by deterministic institutional rules.
One intelligence layer. Three revenue environments.
Built wherever payment stress and service continuity collide.
See payment stress before the ledger can.
Add customer context to portfolio signals, improve digital engagement and protect long-term repayment behaviour.
Discuss lendersIntervene before disconnection becomes the only option.
Separate inability, disruption and avoidable non-payment to improve recovery while protecting essential services.
Discuss utilitiesBanking-grade AI today
Extract the value of AI without surrendering control.
SimONE separates probabilistic intelligence from consequential action. This contains hallucination risk, preserves auditability and lets institutions operate amid changing regulation.
Customer signalsStructured responses and behaviour
AI-assisted intelligenceScoring, segmentation and adaptation
Institutional policyPermissions, thresholds and controls
Deterministic guardrailsGoverned next actions with an audit trail
Observed outcomesResponse, PTP and resolution data
Continuous improvementFuture scoring and journey design
Compliance by design
Controls embedded in the product, not added after deployment.
Data residency, access control, traceability and policy constraints are treated as product requirements from the first architecture decision.
Regional data residencySouth African and European deployment options support local data residency requirements.
Auditable decision pathwaysInputs, score changes, journey steps and governed actions can be traced.
Purpose-bound accessRole-based controls reduce unnecessary exposure of customer and vulnerability data.
Regulated-market diligenceUbiquity successfully completed EU and South African financial services, cloud and cybersecurity due diligence for a regulated lender pilot.
Proof
Validated under regulated-market conditions.
Evidence from a 15,000-account champion-challenger programme, including a 5,000-account Ubiquity cohort.
- 98%WhatsApp delivery penetration
- 25%Response / right-party contact
- 4.9%Promise-to-pay rate
- 74Net Promoter Score
- 10×*Digital PTP benchmark*Compared with the incumbent digital channel benchmark in the pilot.
15,000-account champion-challenger
SimONE demonstrated that structured digital engagement can create both better customer context and measurable recovery outcomes.
Designed to integrate with existing revenue infrastructure
SimONE operates as an intelligence and engagement layer, allowing institutions to preserve their existing ledger and operational systems.
Founder's thinking
Ideas at the intersection of AI, economics and household finance.
“I write about the forces that quietly reshape household balance sheets, institutional risk and public policy. Because a rate hike in one market can become a missed payment thousands of kilometres away.”Kaveer Beharee
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Clear answers
What institutions need to know.
What is consumer financial vulnerability intelligence?
Consumer financial vulnerability intelligence is the continuous interpretation of engagement, capacity, intent and behavioural signals to understand how a consumer’s ability to pay is changing, why it is changing and what governed intervention should happen next.
What is SimONE?
SimONE is Ubiquity AI’s real-time consumer financial vulnerability intelligence layer. It helps cities, retail lenders and utilities understand changing financial vulnerability, adapt customer journeys and select a governed next action before traditional collections escalation.
How does FVRSI work?
The Financial Vulnerability Risk Scoring Index combines structured conversational responses with observed behaviour to produce a dynamic vulnerability signal. It supports segmentation and journey decisions and is not presented to the customer.
Does SimONE replace a billing or collections platform?
No. SimONE sits before and alongside existing systems. It adds customer context, vulnerability intelligence and adaptive engagement without requiring an institution to replace its core ledger.
How does SimONE manage AI hallucination risk?
AI supports analysis, scoring, segmentation and journey adaptation. Consequential customer actions remain governed by deterministic policy rules, with traceable inputs and outputs.
Start before collections
See the customer before you see the arrears.
Explore how SimONE can add real-time consumer financial vulnerability intelligence and adaptive engagement to your revenue environment.