• Ubiquity AI uses artificial intelligence to anticipate repayment risks and reduce loan defaults.
• The company positions its model upstream to limit losses and avoid excluding vulnerable borrowers.
• Its conversational agent SimONE combines behavioral science and AI to improve repayment outcomes.

Kaveer Beharee operates as a South African entrepreneur and leads Ubiquity AI as co-founder and chief executive officer. The company develops fintech solutions that support financially vulnerable individuals and the institutions that serve them.

Ubiquity AI launched operations in 2024 and set a mission to promote financial inclusion by helping struggling clients remain within the credit system rather than facing exclusion. The company differentiates its approach from traditional debt collection firms by intervening early, before missed payments escalate into critical defaults.

This model allows lenders to reduce losses, lower recovery costs, and limit provisions for non-performing loans.

SimONE serves as the core product of Ubiquity AI and operates as a conversational agent designed with behavioral science principles. The tool identifies at-risk clients, supports them in preventing or managing payment delays, and delivers solutions that outperform internal teams or external collection agencies in cost efficiency.

Ubiquity AI collaborates with banks, credit providers, and other financial institutions to improve collection performance and prevent over-indebtedness. The company works in partnership with ResolvSA, an outsourced services provider, to deliver a seamless customer experience that combines human expertise with technology.

Kaveer Beharee graduated from the University of Johannesburg with a bachelor’s degree in economics in 2001. He held the position of strategy director at Draftfcb, an international advertising network, from 2006 to 2008. He also served on the provincial committee of the Black Management Forum from 2012 to 2014, where he contributed to strengthening management and leadership capabilities among members.

This article was initially published in French by Melchior Koba 

Adapted in English by Ange J.A de Berry Quenum