
Flow
Founded Year
2020Stage
Seed | AliveMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
+15 points in the past 30 days
About Flow
Flow specializes in customer engagement solutions for the financial sector, offering a no-code platform that leverages payment data to drive revenue. The company provides AI-driven tools for segmenting customers, optimizing payment moments, and delivering real-time merchant offers, as well as upsell and cross-sell opportunities, without the need for engineering support. Flow's platform is designed to integrate seamlessly with financial institutions' existing systems, enabling personalized customer experiences and actionable insights. It was founded in 2020 and is based in San Francisco, California.
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Expert Collections containing Flow
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Flow is included in 3 Expert Collections, including Fintech.
Fintech
9,466 items
Companies and startups in this collection provide technology to streamline, improve, and transform financial services, products, and operations for individuals and businesses.
Payments
3,136 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Store tech (In-store retail tech)
1,775 items
Companies that make tech solutions to enable brick-and-mortar retail store operations.
Latest Flow News
Jul 11, 2023
SRM (Strategic Resource Management), an independent advisory firm serving financial institutions across North America and Europe, announced the availability of Key Moments™, an engagement and retention platform enabling financial institutions to own the payment moment and enhance the overall in-app experience for bank customers and credit union members. “Today, financial institutions need all the advantages they can get when it comes to retaining loyalty and digital wallet share,” said Bob Koehler, Chief Innovation Officer, SRM. “This starts with owning the payment moment. With Key Moments, FIs can offer customized experiences based on everyday activity triggers to strengthen and increase transaction volume and customer engagement, which results in increased revenue.” Key Moments offers customized experiences that load directly into a bank or credit union’s existing mobile app to drive desired outcomes across card portfolios. These impactful outcomes include 26% more transactions and $20-$40 per card per year of additional revenue. SRM noted no program cost or risk associated with implementing Key Moments. Financial institutions simply provide payment data, including a monthly transaction stream, and using a proprietary process, SRM can uncover critical areas of opportunity. Based on key data points across payment activities, SRM will deliver an assessment and recommendations, including ideal customer payment experiences. “Uncovering additional revenue streams can be challenging for financial institutions,” continued Koehler. “With Key Moments and the broad potential of open banking APIs, we offer a solution to increase revenue and strengthen the customer experience, which is vital to the success of any financial institution in today’s competitive environment.” Key Moments is powered in collaboration with the technologists from Flow Networks. “SRM has a 30-year history of helping banks and credit unions evolve. Now, by offering Key Moments, SRM opens a new universe of client capability in the branch of the future…their app,” noted Chris Boncimino of Flow Networks. “Flow is proud to work with SRM to help clients better engage their customers in real-time.”
Flow Frequently Asked Questions (FAQ)
When was Flow founded?
Flow was founded in 2020.
Where is Flow's headquarters?
Flow's headquarters is located at San Francisco.
What is Flow's latest funding round?
Flow's latest funding round is Seed.
Who are the investors of Flow?
Investors of Flow include Reseda Group.
Who are Flow's competitors?
Competitors of Flow include Tuna and 4 more.
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Compare Flow to Competitors

Saylent Technologies provides marketing automation and data analytics for the financial services sector. The company offers a platform that provides insights and predictive modeling to support financial institutions in delivering offerings. Saylent's solutions address the banking, credit union, and mortgage lending sectors. It was founded in 2006 and is based in Boston, Massachusetts.
Heron Data is a technology company specializing in financial data analysis and underwriting automation for the financial services industry. The company offers solutions for parsing financial documents, analyzing transaction data, and automating underwriting processes to facilitate faster and more informed lending decisions. Heron Data primarily serves financial institutions, including small business lenders, commercial insurers, and banks, by providing tools to streamline the underwriting process and enhance risk assessment. It was founded in 2020 and is based in London, England.

Trellance specializes in providing analytics, cloud solutions, and talent services for the credit union industry. The company offers a suite of analytics solutions to improve member experience and business performance, secure cloud services for operational scalability, and specialized talent services to meet credit union staffing needs. Trellance primarily serves the credit union sector. It was founded in 1989 and is based in Tampa, Florida.

NGDATA is a digital experience company that operates in customer engagement platforms across different industries. The company has an engagement platform that uses AI and machine learning to support customer journeys and omnichannel engagement strategies. NGDATA serves sectors including financial services, telecommunications, media and entertainment, utilities, and hospitality. It was founded in 2012 and is based in Gent, Belgium.

Marquis provides marketing and compliance software and services for the financial services industry. The company provides CRM systems, marketing and compliance data platforms, cloud services, digital communication tools, and web design and technology services. Marquis serves banks and credit unions, offering products that focus on customer engagement and regulatory compliance. It was founded in 1986 and is based in Plano, Texas.

MX operates within the financial services sector. It offers products for connecting, understanding, and utilizing financial data, including account aggregation, financial insights, and data enhancement services. MX serves financial institutions and financial technology companies, allowing them to provide money management experiences to consumers. MX was formerly known as MoneyDesktop. It was founded in 2010 and is based in Lehi, Utah.
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