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Financial Literacy as a Gateway to Financial Inclusion
Industry Insights

Financial Literacy as a Gateway to Financial Inclusion

Innovation in the development of financial products and services has been the driving force behind growth in the global financial system. Unlike in the past, financial institutions are increasingly curating

27 Jan 2021 • 5 min read
Flow Acquires Debt Portfolios from Two Leading Multi-Financial Institutions in Vietnam for the First Time
Company News

Flow Acquires Debt Portfolios from Two Leading Multi-Financial Institutions in Vietnam for the First Time

On 09 October 2020, Flow acquired its first consumer loan portfolio in Indonesia valued at USD 43 million from a leading international multi-financial Lender. Two months on, Flow has just

23 Dec 2020 • 2 min read
The Road Ahead for Credit Markets in Asia
Industry Insights

The Road Ahead for Credit Markets in Asia

We sat down for an interview with Flow’s Chief Operation Officer, Artem Rafaielian, Chief Sales & Strategy Officer, Arun Pai, and Head of AI, Tim Xu to reflect on how the pandemic has altered the workings of Flow, and how it affected the credit markets in Asia in 2020.

21 Dec 2020 • 10 min read
Flow is recognised as "Best Use of AI in Fintech" in IFTA 2020
Company News

Flow is recognised as "Best Use of AI in Fintech" in IFTA 2020

We are very excited to share that Flow is selected as the winner for "Best Use of AI in Fintech" for India Fintech Award 2020. Hosted by India FinTech Forum,

3 Dec 2020 • 1 min read
Promoting Financial Literacy through Digital Lending in Indonesia
Industry Insights

Promoting Financial Literacy through Digital Lending in Indonesia

Indonesia is one of the highest underbanked market in Southeast Asia. The lower socio-economic bracket neither have bank accounts nor do they have organised saving and emergency funds systems in

2 Dec 2020 • 5 min read
Flow Acquires First Debt Portfolio in Indonesia Valued at USD 43 Million From a Leading International Multi-Financial Lender
Company News

Flow Acquires First Debt Portfolio in Indonesia Valued at USD 43 Million From a Leading International Multi-Financial Lender

This is a significant step for Flow in Indonesia. In keeping with our mission, we can reach out to further support borrowers in troubles, create optimal payment plans for them thus helping them overcome their financial difficulties.

11 Nov 2020 • 2 min read
[Webinar Recap] Ethical Lending & Collection During Covid-19
Industry Insights

[Webinar Recap] Ethical Lending & Collection During Covid-19

For Flow's inaugural webinar, we had a very illuminating panel discussion on lending and collection trends, regulatory guidance, and challenges the pandemic brings, among other topics. Stay tuned for more

10 Nov 2020 • 19 min read
Empowering Borrowers During Debt Recovery
Industry Insights

Empowering Borrowers During Debt Recovery

Debt recovery can be less challenging if you make the borrower understand that you care about getting them out of the problem. It is no longer about using intimidating tactics or field collection.

29 Oct 2020 • 4 min read
The Impact of Moratorium on Banks and Borrowers in India
Industry Insights

The Impact of Moratorium on Banks and Borrowers in India

The restructuring and moratorium allowed by RBI helped the banks in maintaining their asset quality. As per a Crisil Research report, had it not been allowed, non-performing assets would have touched a two-decade high of 11.5% by the end of this year.

13 Oct 2020 • 5 min read
Challenges of Data-Driven Debt Collection and Overcoming them
Technology

Challenges of Data-Driven Debt Collection and Overcoming them

There's no doubt that predictive analysis and modeling are the future of efficient and effective debt collection industry. The solutions to the challenges the industry presently face can be found in the data available.

8 Oct 2020 • 6 min read
Debt Collection During the Pandemic and Beyond
Industry Insights

Debt Collection During the Pandemic and Beyond

If collectors implement aggressive strategies, the resulting uproar might birth stringent legislation that hamper the region's debt collection industry's efficiency and revenue. Lenders need to adopt technology-based strategies that make them agile enough to navigate the current tricky landscape.

22 Sep 2020 • 4 min read
Comparing Debt Sale vs Debt Outsourcing
Industry Insights

Comparing Debt Sale vs Debt Outsourcing

In a nut shell, debt collection starts first at a creditor’s level. Once the creditor is unable to collect the same and accounts become delinquent, a special emphasis on collection should be carried out.

15 Sep 2020 • 4 min read
Credit Management Leader Flow Raises Debt Capital, Ramps up Acquisition of Loan Portfolios Across Asia
Company News

Credit Management Leader Flow Raises Debt Capital, Ramps up Acquisition of Loan Portfolios Across Asia

Funding from Genesis is another milestone for Flow and for our debt portfolio purchase plan in Vietnam, Indonesia and other select countries. In keeping with our mission, we can reach out to further support consumers in overcoming financial difficulties.

2 Sep 2020 • 3 min read
Agility in Debt Collection is Critical Today, but How?
Industry Insights

Agility in Debt Collection is Critical Today, but How?

Key differentiator is lenders who adjust quickly to these uncertain times to improve debt recovery while ensuring sustainable operation. Agile ethical debt collection practice is critical now more than ever.

31 Aug 2020 • 6 min read
Deleveraging Unsecured Distressed Consumer Loans
Industry Insights

Deleveraging Unsecured Distressed Consumer Loans

The Asian market for distressed loans is young and fragmented but has huge potential to grow given the huge amount of existing and expected NPLs. The process of balance sheet optimization to conserve capital banks is a solution for banks to maintain healthy working capital ratios.

6 Aug 2020 • 7 min read
Indonesia's Grueling Road to Economic Recovery
Industry Insights

Indonesia's Grueling Road to Economic Recovery

Indonesia's economy could grow by 2.5% in 2020. However, this growth is dependent on the nature of the pandemic for the second half of the year. With exports and daily economic activities stalled, the road to recovery from this pandemic will be a challenging one.

20 Jul 2020 • 7 min read
Vietnam: Positive GDP Growth Forecast, but High NPL Risk
Industry Insights

Vietnam: Positive GDP Growth Forecast, but High NPL Risk

Vietnam has done a great job in handling the COVID-19 pandemic, but the economy has not been spared from the global recession. Consequently, loan delinquencies are surging. What is the way forward for lenders then?

25 Jun 2020 • 7 min read
Is Debt Sale the Answer to the Growing Loan Bubble?
Industry Insights

Is Debt Sale the Answer to the Growing Loan Bubble?

To maintain financial prudence and a sound banking system with moderate bad debt levels, financial institutions will need to figure out efficient risk management. Traditional solutions have not helped much in resolving the debt problems. Thus, is debt sale the answer to the rising loan bubble?

19 Jun 2020 • 5 min read
Get Your Guide to Improving Recovery During a Downturn
Industry Insights

Get Your Guide to Improving Recovery During a Downturn

This whitepaper examines the challenges that define debt recovery during economic crisis, solutions lenders can adopt to evolve their collection process. From new technologies and approaches to better segmentation and contact strategies, we address the unique issues collection teams are facing.

12 Jun 2020 • 1 min read
Twofold Blow for Retail Loans in India's Banks: Credit Growth Slowdown & Rising NPLs
Industry Insights

Twofold Blow for Retail Loans in India's Banks: Credit Growth Slowdown & Rising NPLs

With a reduction in asset book and deterioration in asset quality across portfolios, banks' success in debt recovery will largely depend on the use of correct strategies concentrated towards delinquency reduction and portfolio protection.

28 May 2020 • 7 min read
Utilising technology to maximise debt recovery
Technology

Utilising technology to maximise debt recovery

Technology is reshaping everything under the sun, collection is no different. Social distancing has already increased the industry's dependence on digital technology, and this will not change in the future. We can also expect regulation to tighten, making collections even more challenging.

21 May 2020 • 6 min read
Credit Management Leader Flow Completes US$6M Series A Funding with a Rebrand
Company News

Credit Management Leader Flow Completes US$6M Series A Funding with a Rebrand

SINGAPORE—May 2020—Previously known as AsiaCollect, Flow, the pioneering credit management company bringing international standards of ethical debt collection to the Non-Performing Consumer Loans (NPL) market in Asia, announced

12 May 2020 • 2 min read
AsiaCollect is now Flow
Company News

AsiaCollect is now Flow

Flow signifies an evolving positioning as a market leader, ethical, credible and tech-driven collection partner and illustrates our growing ambition in the market. While this is a significant change, our core beliefs haven’t changed.

12 May 2020 • 2 min read
Growing Non-Performing Loans in the Time of COVID-19
Industry Insights

Growing Non-Performing Loans in the Time of COVID-19

After 3 to 6 months of debt moratorium, banks’ balance sheets will be stretched. There will be a surge in debt collection activities. Hence, it will get challenging for banks if the outbreak persists. Credit markets may continue to dampen despite stimulus.

22 Apr 2020 • 5 min read
COVID-19 Message from Flow: Serious Measures are Taken
Company News

COVID-19 Message from Flow: Serious Measures are Taken

We are evaluating our business continuity plan. Alternative operational arrangements are in testing and we have a risk control team to remotely monitor the situation in countries and in our offices. Should there be any changes, we have the capabilities to act swiftly.

25 Mar 2020 • 1 min read
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