What you need to know about BNPL: India’s fast-growing credit option

16th Aug 2021, Industry Insights


Brand feature on Hindustan Times: Read here Buy now pay later (BNPL) trend is becoming popular across APAC by enabling consumers to defer payments and access to readily available… Read More »

Non-Performing Loans (NPL) Outlook for Asian Economies in Q3Q4 2021

28th Jun 2021, Industry Insights

The global COVID-19 pandemic has emerged as an unprecedented event that required extraordinary measures from governments across the world to re-ensure economic stability. As the immediate containment of the… 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 »

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 »

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 »

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 »

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

10th Nov 2020, Industry Insights

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… Read More »

Empowering Borrowers During Debt Recovery

29th Oct 2020, Industry Insights

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… Read More »

The Impact of Moratorium on Banks and Borrowers in India

13th Oct 2020, Industry Insights

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… Read More »

Debt Collection During the Pandemic and Beyond

22nd Sep 2020, Industry Insights

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… Read More »