Founded in 2016, Flow is a credit management company that is transforming the business of unsecured consumer finance through AI technologies and ethical practices in Asia. Flow is constantly looking out for opportunities to promote responsible collection and financial inclusion to empower consumers in underserved economies.

Recent news: Earlier this year in March, Flow became a member of Asosiasi FinTech Pendanaan Bersama Indonesia (AFPI). With this alliance, Flow will be in a stronger position to transform the credit ecosystem in Indonesia through literacy movements and ethical collection.

Flow supports United Nations’ Sustainable Development Goals (Industry, Innovation & Infrastructure, Goal 9). In the last year alone, Flow has created 362 full time and part time jobs per portfolio company. From which, 50% of these job positions are filled by women. Flow has also helped more than 150,000 borrowers.

According to Flow, the problem of debt bondage can become a time bomb, especially during a pandemic. To combat this, Flow recently organised a Financial Literacy Webinar titled “Financial Literacy & The Responsibility of Financial Institutions” to provide financial literacy education for the wider community in Indonesia.

On top of that, Flow will be launching a new function, FlowCares. Through FlowCares, borrowers will be able to access a self-service portal powered by AI which allows the borrower to bypass uncomfortable conversations with another human being on the subject of loan repayments.

“We have evaluated the Fintech value chain and were very impressed with Flow’s commitment to transform the decades-old debt collection business using AI and ethical practices. Genesis is a returns-first, scaled impact venture lender who wants to back growth-stage companies with impact objectives such as financial inclusion, sustainable food production, small business digitisation and gender diversity, that are looking to scale across Southeast Asia.” – Dr. Jeremy Loh, Managing Partner of Genesis Alternative Ventures.

“This funding from Genesis is another major milestone for Flow and for our debt portfolio purchase business in particular. In keeping with our mission, we can reach out to further support consumers in overcoming financial difficulties,” said Tomasz, CEO & Co-founder, Flow.

Catch Arun Pai, Chief Sales and Strategy Officer from Flow at the Genesis Forum where he and other industry leaders discuss “Accelerating Financial Inclusion Across Southeast Asia Through Fintech”.