Founded in 2016, Flow is a credit management company that is transforming the business of unsecured consumer finance through AI technology and ethical practices in the APAC region. This is done by promoting ethical, responsible collection and financial inclusion to empower consumers in underserved economies. Headquartered in Singapore, the company launched its operations in Vietnam, Indonesia and India. Flow is run by a strong founder led management team with deep operational experience in banking, credit management services and consumer finance. Flow has recently completed a US$6.0m Series A round and their investors include Dymon Asia Ventures, SIG Asia Investments, Digital Ventures, the venture arm of Siam Commercial Bank, and DEG, a development finance institution and a subsidiary of KfW Group of Germany. Check them out at https://www.flow-tech.ai/.




Pace is a Singapore-based Buy Now Pay Later (BNPL) fintech company that partners with merchants and retailers to provide shoppers BNPL payment option during their purchases. Pace seeks to provide greater spending flexibility for shoppers by allowing them to spend less upfront and spread their purchases into 3 interest-free instalments. Retailers benefit from working with Pace by gaining higher customer conversions and higher transaction value. Pace is the first BNPL provider in the region to have successfully formed a partnership with a traditional bank (OCBC Bank). Pace’s key investors include Vertex Ventures and Alpha JWC Ventures. Check them out at https://pacenow.co/.



Trusting Social

Trusting Social is a fintech company that brings together big data technologies, advanced credit modelling, and mobile data in providing alternative credit scoring for emerging markets. The company aims to provide 1 billion credit scores to the unbanked consumers who currently do not have access to formal credit with the initial focus on Southeast Asia and India. Trusting Social’s key investors include top tier VCs such as Sequoia Capital, 500 Startups and BEENEXT. Check them out at https://trustingsocial.com/.