AI that resolves arrears
before they exist.

SimONE is an AI-native collections platform built for the public sector — identifying financial stress early and resolving it through intelligent, empathetic engagement.

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How SimONE works

A predictive, AI-native system that identifies risk early and resolves it through adaptive engagement.

How SimONE works diagram

Resolve more. Spend less.

SimONE replaces reactive collections with proactive, adaptive engagement — operating across your entire arrears book simultaneously.

Pre-delinquency AI

Detect financial stress before missed payments occur.

Real-time understanding

Detect intent, hardship, and affordability dynamically.

Adaptive resolutions

Generate payment plans that actually hold.

Mass-scale engagement

Engage every account simultaneously at near-zero marginal cost.

Proven at global banking level

SimONE has demonstrated performance under rigorous conditions.

BNP Paribas Pilot

Validated through a Champion-Challenger methodology — outperforming traditional collections across recovery, cost, and engagement metrics.

See SimONE on your pre-delinquency and arrears book

Run a pilot alongside your existing approach and measure impact end-to-end.

Start your pilot