FLOW is a credit management company based in Singapore, with operations in several Asian countries, including Indonesia, India, and Vietnam. The company focuses on transforming the unsecured consumer finance sector through ethical practices and the use of artificial intelligence (AI). FLOW aims to redefine traditional debt collection methods by offering personalized, digital-first experiences that help consumers manage their financial challenges. The company provides a variety of services centered on ethical debt management and collection. These include AI-enabled debt collection, which enhances consumer engagement and trust, and data-driven strategies that optimize recovery rates. FLOW also purchases non-performing loan portfolios, assisting partners in maintaining healthy financial metrics, and emphasizes customer education to promote financial literacy and responsible debt practices. With a commitment to treating borrowers with sensitivity and confidentiality, FLOW seeks to improve the credit ecosystem for all stakeholders involved.