Ubiquity AI - AI-Powered Debt Resolution | Empathy at Scale

Debt collection is broken — and it's been broken for decades. Punishing letters, ignored calls, spray-and-pray SMS blasts. The result? Recovery rates below 20%, consumers in distress, and lenders writing off billions.

We built SimONE to change that.

SimONE is an AI debt resolution agent that works with people, not against them. 

Instead of chasing customers after they've defaulted, SimONE identifies financial fragility before the first payment is missed — and reaches out with personalised, empathetic digital conversations on the consumer's channel of choice.

No call centres. No intimidation. Just a smarter, more human way to resolve debt.

The results speak for themselves: a 74% Net Promoter Score (versus a negative industry average), higher promise-to-pay rates, and 90%+ lower cost than traditional collectors. 

In a BNP Paribas Champion-Challenger pilot, SimONE outperformed both BNP's internal team and their entire panel of external debt collectors.

SimONE is launching in a major city soon — the world's first AI debt collection contract with a major municipality. Better public sector revenue collection directly translates to the scale and quality of service delivery. 

Better outcomes. For lenders. For consumers. For cities.

Ubiquity AI

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Ubiquity AI

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