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Our mission

Despite high credit growth in recent years, the debt collection industry in Asia lags behind with a history shrouded in distrust and lack of transparency.

Our Mission

By leveraging artificial intelligence technology and big data, we systematically execute effective debt collection processes that ensure fair and ethical treatment of consumers. We are committed to promoting ethical, responsible collection and financial inclusion to empower consumers in underserved economies.

FlowCares aims to give borrowers the confidence to engage with Flow’s debt specialists and speak about their debt matters. The purpose of the website is to help explain the debt collection process and help you to understand your rights and how to better manage your debt.