Recover more, with every customer understood
Flowen learns how each customer behaves: when they respond, which channel they trust, and their willingness and ability to pay. Your collections team gets the next best action for every account.
- Self-cure38%
- High intent27%
- Needs support22%
- Hardship13%
- 4,120Payday reminderMessage
- 1,860Payment plan offerMessage
- 640Agent callbackVoice
Product preview with sample data
Stop working every account the same way
Switch between a traditional call list and a Flowen-prioritized queue to see the difference.
Every account gets the channel, timing and offer it is most likely to respond to.
- Prioritized by likelihood to payRanked on behavior as well as days past due and balance.
- Reached on the right channelMessage, SMS, voice or email, whichever each customer responds to.
- Contacted at the right momentWhen they are most likely to engage, within permitted hours.
- Treated with respectPersonal, supportive messages that protect the relationship.
- MessagePayday 18:3048-2291High intentPayment plan offer
- MessageTomorrow 12:0048-2307Self-cureGentle reminder
- VoiceToday 19:0048-2315Needs supportAgent callback
- AgentPriority48-2333HardshipRestructuring review
- NoneMonitor48-2348Self-cureNo contact needed
How Flowen works
A closed loop that gets sharper with every payment and every reply.
- Self-cure38%
- High intent27%
- Needs support22%
- Hardship13%
- 48-22910.86
- 51-00420.81
- 47-99300.77
One platform for the whole recovery lifecycle
Four modules that work together, from the first missed payment to the final settlement.
AI Risk Scoring
Segment customers by risk and payment probability, and focus your team where effort pays off.
- Self-cure38%
- High intent27%
- Needs support22%
- Hardship13%
Conversational AI
Chat and voice agents that remind, negotiate and confirm, then hand over to a person when needed.
Hi, $420 is due on 25 Oct. Can I help you plan the payment?
Can I pay half now and half next week?
Yes. I’ve set up two payments of $210. Here’s your link.
Journey Orchestrator
The right channel, timing and message for every customer, across messaging apps, SMS, voice and email.
- Message
- Wait 24h
- SMS
- Agent call
Analytics & BI
Real-time dashboards for portfolio, campaign and collector performance.
Built for regulated markets
Every country has its own collection and data-protection rules. Flowen turns them into policies you configure per market, checks them before every contact, and logs every action. We start with Thailand’s Debt Collection Act and PDPA, and the platform is built for Southeast Asia and beyond.
- Policies per country
- Data-protection aligned
- Do-not-contact enforcement
- Full audit trail
You stay the data controller
Flowen processes portfolio data only on your instructions, under a data processing agreement.
Local rules before every contact
Permitted hours, contact frequency limits, languages and do-not-contact lists are set per market and applied automatically.
Humans make the final call
You approve every template, and your team decides what to do with each recommendation.
| Time | Account | Channel | Result |
|---|---|---|---|
| 18:30:02 | 48-2291 | Message | All checks passed |
| 18:30:04 | 50-1187 | Voice | Blocked: outside permitted hours |
| 18:30:05 | 47-9930 | SMS | All checks passed |
| 18:30:07 | 52-0415 | Message | Blocked: on do-not-contact list |
Built for every business that collects
Wherever customers owe money, Flowen helps you recover it while keeping the relationship.
Lending
Credit portfolios at every scale, from retail banking to app-based lending.
- Banks
- Non-bank lenders & leasing
- Digital lenders & fintech
Recovery specialists
Purchased and outsourced portfolios, often for many clients with different rules.
- Asset management & debt buyers
- Collection agencies
Recurring billing
Overdue bills where keeping the customer matters as much as the payment.
- Telecommunications
- Insurance
- Healthcare
See what Flowen would do with your portfolio
A 30-minute consultation, tailored to your collections operation.
Book a consultationTalk to our team
Tell us about your collections operation. We’ll set up a consultation to walk through how Flowen would work with your data and your team.
- admin@flowenco.com
- linkedin.com/company/flowenth