FLOW- Ethical Credit Management

Flow is transforming unsecured consumer finance in Asia through ethical, AI-enabled collection strategies and system.

Flow is a credit management company that is redefining the business of unsecured consumer finance through AI technologies and ethical practices in the APAC region. The company addresses the limitations of traditional debt collection by creating personalized, digital-first experiences to assist consumers in overcoming financial difficulties. Flow's data-driven collection strategies have shown remarkable recovery rates for top financial institutions and technology companies, having supported over 2.8 million consumers to date. An emphasis on promoting ethical debt collection and improving financial literacy through customer education is part of Flow's core mission.

Headquartered in Singapore, the company initially launched operations in Vietnam in 2016 and has since expanded to Indonesia and India.

The most recent investment in Flow was a debt financing round on 02 September 2020, and the investor was Genesis Alternative Ventures.