SimONE: financial vulnerability intelligence and IFRS 9 credit-risk support
SimONE is Ubiquity AI’s intelligence layer before collections. It uses structured engagement and the Financial Vulnerability Risk Scoring Index (FVRSI) to understand root cause, severity, affordability, payment intent and appropriate next action.
For lenders, repeated engagement can create complementary forward-looking information relevant to credit-risk monitoring, significant increases in credit risk (SICR) and IFRS 9 expected credit loss (ECL) processes. SimONE does not independently calculate ECL or determine accounting stages.
Read the detailed SimONE, IFRS 9 and ECL guide