TAKING CARE OF LIQUIDITY NEEDS
IN YOUR NETWORK

OUR FOCUS

Independent businesses. Liquidity. Emerging markets.

Independent businesses in emerging markets are too often constrained by insufficient liquidity/working capital. At the same time they present a massive opportunity, selling more than 80% of all goods & services. Our liquidity solutions directly address their needs and increase revenues by 50% in just a few months. We focus on high growth markets.

Independent businesses are at the centre of economic activity in developing/emerging markets: they employ more than 2 billion people and sell over 80% of all goods & services (e.g. digital banking, bill payments, FMCGs). But they remain neglected by banks, resulting in a $1.4 trillion credit gap. Evolving digital ecosystems create unprecedented opportunities for financing these businesses. 6.6 million+ shopkeepers in emerging markets act as ‘agents’ for financial service providers. In 2018, they processed cash-in transactions worth $141 billion, all of which they had to pre-fund.

Flow is here to address this massive opportunity.

 

OUR APPROACH & PHILOSOPHY

For everything we do, we put the customer first

Flow seeks to ensure that independent businesses benefit from the same quality and convenience in enterprise finance as established large businesses. Flow was born out of our commitment to level the playing field between independent businesses and big retail chains/corporates. We believe digital technologies provide an unprecedented opportunity to democratise financial services provision for all.

While we are a data-driven business, we believe in and respect our customers’ privacy. Consequently, we only analyse business-related data, not personal data.

The Flow Platform has been designed with a UX that flows. As a design philosophy, all processes are designed to never impede the normal business of our customer (a merchant/business) but to flow seamlessly along. The experience design defines not only the technology platform but all interactions, including those required for onboarding or getting to know our customers better (also known as KYC in other businesses).

 


OUR PEOPLE

NITIN GARG

Co-Founder

* 12+ years consulting on agents/digital finance, advised 40+ banks (e.g. Equity Bank) * worked for World Bank,UNCDF and  MicroSave * endorsed by UK Gov as Exceptional Tech Talent

MICHAEL ROTHE

Co-Founder

* previous FinTech in Uganda with 300,000 wallets * 4 years at Central Bank of Uganda * started career at Citi Inclusive Finance *  Director at Financial Inclusion Forum UK

GEOFFREY TABAN

Country Representative Uganda

* Serial entrepreneur: started & scaled a transport and a construction business * Managed operations and catalysed merchant acceptance in previous FinTech  

ROBERT MATTHEWS

Finance

* Chartered accountant (ex-KPMG) * 2 successful startups * Extensive investment, M&A and Private Equity experience, including in Africa

AFAM I-EZIKE

Data & Scoring

10+ years of data analytics know-how — valuations, pricing and risk management at Barclays, HSBC, JP Morgan, UBS and RBS.

JUSTINE BABIRYE

Relationship Manager

Experienced loan officer and field operations manager. 2 years at BRAC managing 200 borrowers at a time and District Manager for mobile wallet provider.

ANUPAM VARGHESE

Tech

Technology professional, entrepreneur and innovator with 15 years experience in employing technology to solve business and social needs.  At Eko India Financial Services for a decade including as CTO. Co-founded two companies, most recently Tinkerbee, an IoT product venture.