Flow is a credit management company that is transforming the business of unsecured consumer finance through AI technologies and ethical practices in the APAC region. One-size-fits-all approach of traditional debt collection is limiting for both lenders and borrowers. Hence, redefining debt collection begins with creating personalised, digital-first experiences that help consumers overcome their financial difficulties. Flow’s data-driven collection strategies have proven, remarkable recovery rates for top financial institutions and technology companies and we have supported over 2.8 million consumers to date. At Flow, we are committed to promoting ethical debt collection and improving financial literacy through customer education. Headquartered in Singapore, the company launched its first operations in Vietnam in 2016 and has since expanded to Indonesia and India.