FINALIST outside of Japan

Thailand

Flowen is a Behavioral AI platform designed to support financial institutions in modernizing debt collection and risk management. By analyzing repayment behavior and learning from real outcomes, Flowen enables more targeted and automated engagement across LINE, SMS, and Voice. The platform helps institutions improve collection effectiveness, reduce operational complexity, and operate in a more data-driven and responsible manner, with enterprise scalability and regulatory readiness at its core.

Fin Rujikiatkamjorn brings over a decade of international experience in operations and execution. She oversees operational strategy and delivery, supporting Flowen’s scalability, compliance, and readiness for enterprise financial institutions.