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FLOW LIQUIDITY ENGINE

Enables seamless integration with any platform, convenient customer onboarding process including the digital customer agreements, machine learning enabled decision making and disbursements in less than a minute

HOW IT WORKS

Liquidity Engine

Flow’s proprietary LIQUIDITY ENGINE is specifically built to bring liquidity to independent businesses. It includes all functionalities needed to deliver liquidity to independent business in a smooth, secure and profitable manner: proprietary machine learning-enabled scoring algorithms, product development, product management and KYC modules, as well as detailed dashboards to address any business intelligence requirements for different stakeholders involved. It glues together all key stakeholders through APIs.

HOW IT WORKS

1. Independent Businesses

Are the centre of economic activity in emerging markets. They employ 2 billion+ people and sell 80%+ of all goods and services. They lack working capital but increasingly generate data. 8 million+ shopkeepers in emerging markets act as “agents” for financial service providers using digital devices. The Flow Liquidity Engine engine captures all necessary KYC data digitally.

HOW IT WORKS

2. Partners

Digital ecosystems and platforms (e.g. mobile money providers) benefit from more liquidity. Capital providers require efficient and secure ways to deploy capital. Both partner with Flow to increase revenues.

HOW IT WORKS

3. Financial History

The Flow Liquidity Engine turns raw data into actionable business health information, financial histories and credit profiles. It accommodates diverse data sets – anything which we believe has predictive power for credit decisions (e.g. digital payments, e-commerce, ride-hailing, sales data).

On this basis, Flow develops tailored products. Customer consent is captured and all data privacy standards met

HOW IT WORKS

4. Tailored Digital Enterprise Finance

The Flow Liquidity Engine delivers customised enterprise finance solutions based on financial histories of the independent businesses.The Flow Liquidity Engine manages the entire product cycle.

HOW IT WORKS

Liquidity Engine

Flow’s proprietary LIQUIDITY ENGINE is specifically built to bring liquidity to independent businesses. It includes all functionalities needed to deliver liquidity to independent business in a smooth, secure and profitable manner: proprietary machine learning-enabled scoring algorithms, product development, product management and KYC modules, as well as detailed dashboards to address any business intelligence requirements for different stakeholders involved. It glues together all key stakeholders through APIs.

HOW IT WORKS

1. Independent Businesses

Are the centre of economic activity in emerging markets. They employ 2 billion+ people and sell 80%+ of all goods and services. They lack working capital but increasingly generate data. 8 million+ shopkeepers in emerging markets act as “agents” for financial service providers using digital devices. The Flow Liquidity Engine engine captures all necessary KYC data digitally.

HOW IT WORKS

2. Partners

Digital ecosystems and platforms (e.g. mobile money providers) benefit from more liquidity. Capital providers require efficient and secure ways to deploy capital. Both partner with Flow to increase revenues.

HOW IT WORKS

3. Financial History

The Flow Liquidity Engine turns raw data into actionable business health information, financial histories and credit profiles. It accommodates diverse data sets – anything which we believe has predictive power for credit decisions (e.g. digital payments, e-commerce, ride-hailing, sales data).

On this basis, Flow develops tailored products. Customer consent is captured and all data privacy standards met

HOW IT WORKS

4. Tailored Digital Enterprise Finance

The Flow Liquidity Engine delivers customised enterprise finance solutions based on financial histories of the independent businesses.The Flow Liquidity Engine manages the entire product cycle.