Our Difference

Our Difference

• Personalisation

  "Flow purchase portfolios of non-performing consumer loans (NPL) and recover them through ethical, tech-driven collection strategies and system. To maintain financial prudence and a sound banking system with moderate bad debt levels, financial institutions will need to figure out efficient risk management." This paragraph to be moved from title to the grey panel as an introduction.

  NPL collections are expensive to manage in terms of time and manpower resources, putting pressure on long-term profitability and making it harder to absorb future losses and strengthen capital buffers.

  Large NPL portfolios force banks to retain higher levels of capital, reducing their ability to provide new credit, potentially good investments are postponed or abandoned.

• 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.