Ubiquity AI
Where AI meets compassion

Our first pilot results
with BNP Paribas

In early 2024, our AI chatbot, SimONE, competed in a Champion-Challenger pilot against a subsidiary of BNP Paribas and its panel of External Debt Collectors.

Pilot Objectives

Prevent pre-delinquent customers from rolling into delinquency

Challenge 1: Outreach via WhatsApp

SimONE prioritizes consumer help, giving Ubiquity AI the highest Meta Business Quality Ranking despite WhatsApp's automated engagement challenges.

Challenge 2: WhatsaApp penetration in South Africa

SimONE proves WhatsApp is preferred across all demographic groups in South Africa, with a 98% penetration rate among financial service providers' digital platforms.

Challenge 3: Will consumers engage an AI agent?

Financially-fragile consumers prefer AI agents over call centres due to fear, embarrassment, and poor knowledge. SimONE is the ideal engagement solution, with self-curing and asynchronous communications.

Challenge 4: Can AI compete with incumbents

Debt collectors focus on targets, not consumers. SimONE prioritizes customer trust by understanding behavior and financial struggles.

Pilot results

Fewer customers assisted by SimONE, rolled into delinquency

1/ Roll-in Rate
In her first attempt, Simone recorded the lowest roll-in rate (pre-delinquent consumers rolling into collections) compared to both the in-house collections team and the panel of external debt collectors.
2/ Right-party Contact Rate

SimONE recorded a Right-Party Contact Rate of 25% of total unique accounts. Typically, EDCs mostly contact consumers via text or email, with extremely low RPC rates. Telephonic RPC rates are higher than digital, but call avoidance and penetration rates are a major challenge in collections.  

3/ Customer Satisfaction

Debt collectors typically do not measure NPS and those that do, do not share that data as NPS scores are usually negative. SimONE achieved an unprecedented 74% Net Promoter Score, and 25x higher engagement than traditional digital methods.