Our Difference

Our Difference

• Personalisation

  Behavioural analysis obtained from data pinpoints behaviours and identifies the best time, channel, and frequency to contact using predictive analytics and refined segmentation. Call operators get real-time recommendations through dynamic conversation scripts. Our customer-centric and tech-driven approach allows for a highly personalised engagement with the consumers.

  Our collection strategies are constantly iterated and tailored to optimise recovery efficiency, increase delinquency prevention and to deliver positive experience for the consumers.

• Flow Platform

  Powered by data on consumer behaviour, Flow's in-house credit and collections software determines the most effective outreach for all stages of the delinquency cycle. Combining machine learning with customer-centric operational processes, Flow Platform is built on deep market understanding and the best practices of the industry.

  We service debt ledgers at large volume using advanced contact methods and ethical, digital collection strategies. Expect higher right-party contacts and increased recoveries.

• Automation

  A core functionality of operational processes in Flow, automation ensures quality control and accuracy in decision-making. With no field collection, digital collection processes powered by machine learning are geared towards handling larger volumes with lesser manpower for greater scalability.

  Communication channels work simultaneously at higher frequency to successfully approach more consumers. This increases the productivity of call operators, in turn improving recovery rate at optimal cost.

• Ethical Debt Collection

  High-quality negotiation techniques such as voice-to-text quality check, emotion detection and skill-based call routing are prescribed. Operators' productivity is evaluated to match them to specific accounts. Intimidation means are prohibited with zero tolerance to aggression and abuse.

  Flow can help your business satisfy debt collection compliance regulations and improve service quality, hence mitigating reputational risks for clients.