F
Flow
Revolutionising Debt Collection in Asia. Ethical, digital debt collection through customer-centric operational processes integrated with AI technologies
About Flow
Flow (flow-tech.ai) positions itself as a specialized operator in the credit management sector, focusing on the unsecured consumer finance market in Asia. Founded in 2016, the company aims to overhaul traditional debt collection by integrating artificial intelligence and emphasizing ethical practices. This strategy is designed to create personalized, digital-first experiences to assist consumers with their financial difficulties. The company has supported over 2.8 million customers to date and reports strong recovery rates for financial institutions and technology companies. In December 2021, Flow announced it had doubled its revenue and was preparing for a Series B funding round.
Read full description
The business operates on a model that combines technology and data analytics to conduct efficient and fair debt collection processes. Flow provides its services, including outsourcing and trading, to top financial institutions and technology companies. Its proprietary 'Flow Platform' is an in-house software built to optimize all stages of the delinquency cycle. Key features of its approach include digital automation to handle large volumes with less manpower, personalization in consumer engagement, and what it terms "Ethical Debt Collection." This ethical framework is supported by technologies like voice-to-text quality checks, emotion detection, and skill-based call routing to ensure high-quality negotiation.
The management team includes Przemek Januszaniec as Chief Executive Officer and Mayuri Sathyan as Group Finance Director. They lead a team focused on transforming the credit ecosystem by working exclusively with ethical lenders and promoting financial inclusion for consumers in underserved economies.
At a glance
- Status
- Operational
- Founded
- 2016
- Headquarters
- Singapore, Singapore
- Employees
- 60
- Open positions
- None listed
- Dealroom signal
- 69.2/100
- Industry
- Fintech
- Sub-industry
- Mortgages & Lending
- Sector
- Fintech, Credit Management, Debt Collection
- Technology
- Artificial Intelligence
- Client focus
- b2b
Knowledge graph
More headlines
Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| DEBT✓Debt | Sep 2020 | — | — | Genesis Alternative Ventures | — |
| SERIES A✓Equity / VC | May 2020 | $6M | $24M | SIG China · Integra Partners · German Investment Corporation · SCB10X | ↗ |
Growth signals
Latest recorded traffic for Flow is 560 monthly website visits, down 76.7% over the last three months. Flow's team declined 4.8% over the past year.
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Investments and acquisitions
Recent portfolio relationships for companies that also act as investors or acquirers.
Investors
From Dealroom's funding and investor records, grouped by the round each investor first entered.
Seed2 investors entered at this stage
Medium
Forum
Series A4 investors entered at this stage
Integra Partners
SIG China
German Investment Corporation
SCB10X
Series B and later1 investor entered at this stage
Genesis Alternative Ventures
Other known investors1 additional known investor
SIG Venture Capital
Source: Dealroom Talent Intelligence.
Global footprint
team presence
Market sentiment
An AI-synthesised read of the highest-engagement posts about Flow on X, ranked by likes and reposts, corporate channels excluded.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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