FINALIST outside of Japan

Thailand

Flowen is a Behavioral AI–powered platform designed to modernize debt collection and financial risk management for financial institutions. The platform analyzes debtor behavior and risk profiles to deliver personalized, automated engagement across digital channels such as LINE, SMS, and Voice. By continuously learning from real repayment outcomes, Flowen helps increase recovery rates, reduce operational costs, and ensure compliance with regulatory standards. Built for enterprise scalability, Flowen enables more efficient, data-driven, and responsible debt collection while supporting financial institutions’ digital transformation and regional expansion.

Charinrat 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.