The Flow Lend app, driven by Juvo’s Identity Scoring technology, allows prepaid users to request credit extensions for immediate usage, dramatically improving customer experience and satisfaction. C&W is already delivering credit extensions to 10 percent of the smartphone market in the Caribbean, and Flow Lend customers are, on average, consuming 10 percent more of the company’s products and services and 50 percent more loyal.

The Flow Lend mobile application, created by Juvo, uses data science and game mechanics to build real-time subscriber personas allowing C&W to personalize lending criteria and provide immediate credit extensions. By re-imagining the prepaid experience, the app initially enables Flow prepaid customers to request credit advances for airtime and data, reducing zero balance days and progressively increasing access to services.

“Juvo has been a great partner,” said James McElvanna, VP Products, C&W. “From user-acceptance testing, to in-market customization and advanced data science methodologies - the overall experience has been very positive.
“Initially, we had concerns about some of the risks involved, including potential bad debt, but Identity Scoring has helped to mitigate these risks and our 12-month goal of US$1,000,000 in credit extensions was reached in less than four months, surpassing expectations” said McElvanna.

Explaining the key success of Flow Lend Steve Polsky, CEO and founder of Juvo, explained: “By putting a ‘face’ on what is typically an anonymous SIM, an identity-based relationship develops between C&W and each prepaid user, creating a better mobile experience and access to essential financial services.”
“We’ve been delighted by the open and innovative approach the C&W team has taken in getting Flow Lend to market,” continued Polsky.

Identity Scoring is part of Juvo's proprietary Identity Stack, which combines consumer internet know-how, sophisticated data science, and game mechanics to more readily target and engage prepaid users in real-time, based on their own unique preferences. The Identity Stack includes intelligence and reporting tools that offer mobile operators actionable analytics and insights to drive user engagement and growth.

The Caribbean market has been quick to respond to the new Flow Lend app with thousands of positive mentions and reviews from users. This one demonstrates the competitive differentiation Flow Lend is driving:
September 12, 2016: “I love it [Flow Lend]- I just topped up and I had until 3 October to repay with no interest. Bye-bye Digicel, I’m not gonna cry.”
Flow Lend is available in Antigua and Barbuda, Barbados, Saint Lucia, Dominica, Anguilla, Cayman Islands, Grenada, Jamaica, Montserrat, Saint Kitts and Nevis, Saint Vincent and the Grenadines, Turks and Caicos Islands, and the British Virgin Islands. It will soon be launched in Panama and the Bahamas.