The intelligence layer before collections.

Consumer financial vulnerability intelligence is the continuous interpretation of engagement, capacity, intent and behavioural signals to understand how a consumer’s ability to pay is changing, why it is changing and what governed intervention should happen next.

SimONE is Ubiquity AI’s real-time consumer financial vulnerability intelligence layer. It helps cities, retail lenders and utilities understand changing financial vulnerability, adapt customer journeys and select a governed next action before traditional collections escalation.

The Financial Vulnerability Risk Scoring Index is an algorithm. It combines structured conversational responses with observed behaviour to categorise a customer’s financial vulnerability into one of ten bands, then clusters customers into treatment options. It supports segmentation and journey decisions and is not presented to the customer.

SimONE is built on a compliance technology architecture. Before anything goes live, the compliance guardrails are set upfront: what may be said, when, through which channel and which actions are permitted. Everything that follows is governed by those rules, with traceable inputs and outputs. Because compliance is designed into the foundation rather than reviewed at the end, SimONE can be deployed rapidly even in the toughest regulatory environments.

No more complex than sharing data with any other vendor. SimONE sits before and alongside your existing ledger and collections systems, so nothing needs to be replaced, and it is built for rapid deployment.

A missed payment is rarely about one thing. Customers who feel judged or pressured tend to disengage, while customers who are asked about their circumstances and treated with respect are more likely to respond, explain what has changed and commit to a plan they can keep. Research on debt and dignity, and the experience of collections practitioners, point in the same direction: respectful treatment is associated with better repayment outcomes. SimONE is designed around this. It understands the customer’s situation first, then selects a governed next action. In SimONE’s regulated-lender pilot, structured engagement delivered a Net Promoter Score of 74 and a 4.9% promise-to-pay rate.

No. SimONE sits before and alongside existing systems. It adds customer context, vulnerability intelligence and adaptive engagement without requiring an institution to replace its core ledger.

AI supports analysis, scoring, segmentation and journey adaptation. Consequential customer actions remain governed by deterministic policy rules, with traceable inputs and outputs.

In an environment that demands deterministic outcomes, keeping LLMs out of the decision path is a deliberate advantage. It improves auditability and governance, because every outcome traces back to a defined rule. It improves transparency, because the same inputs produce the same result. It removes variable token costs from the equation, so pricing stays predictable. And it mitigates risk for both our clients and their customers.