SimONE is an AI-native debt collection and revenue recovery platform built for government and the public sector — detecting financial stress early and resolving it through intelligent, empathetic engagement. No call centres. No legal threats. Just outcomes.
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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 AI 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 on South Africa's AI regulatory framework — 46 pages of technically grounded, implementation-focused proposals. Download the full document.
A predictive, AI-native revenue recovery system that identifies financial risk early and resolves it through adaptive citizen engagement — at government scale.
SimONE replaces reactive debt collection with proactive, AI-driven revenue recovery — operating across your entire arrears book simultaneously, at near-zero marginal cost.
Identify accounts at risk of missing payment before the payment is missed. Intervene early, at a fraction of the cost of chasing arrears.
Understand financial hardship and payment intent dynamically — every conversation, every account, in real time.
Generate personalised, affordable payment arrangements that citizens can actually honour — improving collection rates sustainably.
Engage every account on your book simultaneously — thousands of accounts, one platform, near-zero marginal cost per engagement.
Influence payment behaviour through precisely timed, psychologically informed prompts — without coercion, without pressure, without damaging the citizen relationship.
SimONE doesn't just recover revenue. With a Net Promoter Score of 74, it leaves citizens feeling heard — building trust, not resentment, between government and resident.
SimONE identifies financially fragile citizens before they miss a payment — reaching them through WhatsApp at the moment of greatest impact, with solutions and support rather than demands. 98% penetration. Zero friction. Dignity intact.
Purpose-built for government. Active with the City of Cape Town and multiple municipalities. SimONE recovers rates, taxes, utilities, and other public-sector receivables.
SimONE is not debt-collection software. It is public revenue infrastructure — tying revenue recovery directly to service delivery, financial inclusion, and citizen dignity.
SimONE has demonstrated performance under rigorous compliance conditions in the EU and South Africa — validated by one of the world's largest financial institutions.
Everything you need to know about AI-driven debt collection and revenue recovery.
SimONE is an intelligence layer that works alongside your existing teams — automating routine tasks, identifying financially fragile customers before they miss a payment, and engaging them through customer-centric, behaviourally informed strategies. SimONE operates across both pre-delinquency and post-delinquency scenarios: intervening early to prevent arrears from forming, and resolving them empathetically when they do.
AI enables municipalities to engage every outstanding account simultaneously — something no call centre can do. It detects financial stress early, engages citizens through WhatsApp, and generates payment plans that fit real-world affordability — recovering more revenue at lower cost while preserving the citizen relationship.
Traditional collectors focus on accounts already in default. SimONE operates before default occurs, using pre-delinquency AI to identify risk early. It engages at scale through WhatsApp, uses behavioural nudging rather than pressure, and generates a 74 NPS — meaning citizens feel respected through the process.
Yes. SimONE is designed for rapid public-sector deployment and integrates with existing municipal billing and ERP systems. Onboarding is fast, and the platform begins generating engagement — and recoveries — quickly.
Yes. SimONE is designed to operate within the South African National Credit Act, POPIA, and applicable consumer protection frameworks — as well as EU regulatory requirements, as demonstrated in the BNP Paribas pilot.
SimONE is built for the public sector — municipalities, government departments, utilities, and public agencies with large-scale revenue recovery requirements. It is also proven in banking and financial services through the BNP Paribas pilot.
Follow Kaveer Beharee's writing on AI debt collection, financial inclusion, public sector revenue, geopolitics, and the economics of the future.
Run a pilot alongside your existing approach. Measure recovery uplift, cost reduction, and citizen NPS end-to-end — with zero disruption to current operations.
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