20 December, 2016
Award Winning Flow Lend Issues Over US$1M In Mobile Credit In Less Than Six Months
Flow has been keeping its prepaid mobile customers connected with its cashless mobile top-up app, Flow Lend, which advanced more than US$1Million in less than six months in mobile credit – and, in partnership with JUVO, won the Mondato Innovation Award for Digital Finance and Commerce (DFC) earlier this month.
James McElvanna, VP Products, Cable and Wireless, operator of Flow said, “We are proud to have partnered with JUVO to develop an app that addresses the needs of our customers, which in this case is anytime, anywhere access. Since many of our prepaid customers don’t use credit cards, and usually rely on in-store cash top ups, Flow Lend gives them the assurance that they can always stay connected, even when they are out of cash and can’t make it to a top-up station. We’re happy to provide this convenient option to our customers, and we’re honoured to be recognized for our efforts and investment in technology that has transformed our customers’ experience.”
Steve Polsky, Founder and CEO of JUVO said, “C&W is a true partner and we are thrilled to be working with their team to offer Flow customers real time access to credit to help them stay connected. Receiving the Mondato Innovation Award, along with the high volume of credit advances issued via Flow Lend, reaffirms the real need for this solution – and we’re excited to provide the Identity Scoring technology that powers it.”
All prepaid mobile customers who top up regularly are eligible for credit advance from Flow Lend. The app tracks the frequency of top ups and other usage patterns to determine which customers have met the requirements for an advance. Once approved, customers can use Flow Lend to request instant, interest-free credit when they’re running low. The loan amount must be repaid within 30 days via any regular Flow top up method. By consistently paying back on time, they can gradually borrow more and never have to worry about running out of credit.
“We are addressing a real need for many of our customers who may have little or no credit and may be caught in a situation where they desperately need to be in contact,” said McElvanna, highlighting the app’s benefits. “For example, the mother who needs to call the doctor’s office to make an appointment for her sick child no longer has to wait until she has the cash to go buy credit; the teenager who’s nearing a low balance late at night doesn’t have to leave the comfort and security of his/her home to visit a top up centre. Regardless of the circumstance, Flow Lend is available to our customers, anytime, anywhere.”
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She's one of the few women senior executives in telecommunications in Trinidad and Tobago.