Ubiquity AI is developing the next generation chatbot - based on Blockchain - that automates more business functions than any competing product on the market. When Simone is implemented, our mission is ensuring that our client's customer will never have to contact the company through any other channel. We are focussing on solving big problems, in areas where existing tech is failing: 1. Consumer lending - reducing delinquencies and making it easier to predict missed-payment, preemptively assist financially-distressed customers, automating payment arrangements and collections. 2. Personal insurance - reducing policy lapse, especially in the first 30 days. We strongly believe in helping people stay on track to meet their financial goals. 3. Health insurers - The Covid-19 has exposed just how difficult it is for providers to proactively help at-risk customers - people with co-morbidities. Helping health insurers help their members daily through preventive healthcare strategies, day-to-day disease management and advice improves members lives and reduces a provider's risk. Our chatbot Simone's works on a subscription model and costs a company about the same as a priority postage stamp per user per month. Simone is 55-98% cheaper than current consumer aftercare communications costs we strongly believe that that Simone will win the global race to 100% automated resolution in any commercial scenario.