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Comparing Debt Sale vs Debt Outsourcing

15th Sep 2020, Industry Insights


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… Read More »

Deleveraging Unsecured Distressed Consumer Loans

6th Aug 2020, Industry Insights

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… Read More »

Is Debt Sale the Answer to the Growing Loan Bubble?

19th Jun 2020, Industry Insights

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… Read More »

The Future of Self-Servicing Channels in Debt Collections

24th May 2021, Industry Insights

A 2006 research paper examining the impact of self-service technology (SST) on restaurant operations made some interesting conclusions. First, the paper found that customers embraced SSTs primarily because of… Read More »

Encouraging Timely Debt Payments

14th Apr 2021, Industry Insights

Are your borrowers often delaying payments? Are your delinquency buckets always reaching their threshold limits? It is important for lenders to provide knowledge on credit control techniques for borrowers.… Read More »

Flow Webinar Recap: Financial Literacy & the Responsibility of Financial Institutions (in Bahasa)

31st Mar 2021, Company News

FLOW, a credit management company that has brought changes to the settlement of unsecured consumer credit in Asia organised a Financial Literacy Webinar entitled “Financial Literacy & The Responsibility… Read More »

Flow is now a Member of Asosiasi FinTech Pendanaan Bersama Indonesia (AFPI)

18th Mar 2021, Company News

We are thrilled to announce that PT AsiaCollect Indonesia, Flow is now officially a member of (AFPI) Asosiasi FinTech Pendanaan Bersama Indonesia . With this alliance, we believe that… Read More »

Banking Sector Outlook for India in 2021

24th Feb 2021, Industry Insights


2020 turned out to be a year of change for the global economy and the banking industry. As we entered 2021 on a positive note led by the massive… Read More »

The State of Non-Performing Loans in Indonesia

10th Feb 2021, Industry Insights

The continuing global recovery at the back of ongoing vaccination drive, fiscal and monetary stimuli is likely to continue through the full year in 2021. This augurs well for… Read More »

Financial Literacy as a Gateway to Financial Inclusion

27th Jan 2021, Industry Insights

Financial literacy enables consumers to access skills for managing and saving money. In return, it guides them to make better financial decisions. It is essential, especially in the developing… Read More »

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

6th Jan 2021, Company News

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… Read More »

The Road Ahead for Credit Markets in Asia

12th Dec 2020, Industry Insights

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… Read More »

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

3rd Dec 2020, Company News

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… Read More »

Promoting Financial Literacy through Digital Lending in Indonesia

2nd Dec 2020, Industry Insights

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… Read More »