December 20, 2016 11:09 ET

Award Winning Flow Lend Issues Over US$1M in Mobile Credit in Less than Six Months

MIAMI, FL--(Marketwired - Dec 20, 2016) - 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."

Flow Lend is available in all Flow's mobile markets across the region for both Android and iOS smartphones.

About Mondato Innovation Award for Digital Finance and Commerce (DFC)
The Mondato Awards were created to recognize excellence and innovation in Digital Finance and Commerce (MFC) and Digital Finance Plus (DF+). The winners represent some of the most innovative DFC and DF+ solutions from emerging startups, as well as established companies paving new paths in the industry. C&W Communications in partnership with Juvo received the 2016 award.

Juvo was founded with an overarching vision: to establish financial identities for the billions of people worldwide who are creditworthy, yet financially excluded. In partnership with mobile network operators, Juvo's proprietary Identity Scoring technology uses data science, machine learning and game mechanics to create an identity-based relationship with anonymous prepaid users, opening up access to otherwise unattainable mobile financial services.

Juvo is a privately held company backed by global business leaders and luminaries in the world of tech, mobile and finance. Its executive team comprises accomplished industry leaders across the data science, consumer internet, financial services and mobile telecom fields.

Headquartered in San Francisco, with offices in Miami, London, Buenos Aires, Manila, Jakarta and Hanoi, Juvo has a reach of over 100 million subscribers across four continents and is deployed in 23 countries. For more information, follow us on Twitter or LinkedIn, or find us at

All trademarks contained herein are the property of their respective owners.

About C&W Communications
CWC is a full-service communications and entertainment provider and delivers market-leading video, broadband, telephony and mobile services to consumers in 18 countries. Through its business division, CWC provides data center hosting, domestic and international managed network services, and customized IT service solutions, utilizing cloud technology to serve business and government customers.

CWC also operates a state-of-the-art submarine fiber network -- the most extensive in the region.

Learn more at, or follow C&W on LinkedIn, Facebook or Twitter.

About Liberty Global
Liberty Global is the world's largest international TV and broadband company, with operations in more than 30 countries across Europe, Latin America, and the Caribbean. We invest in the infrastructure that empowers our customers to make the most of the digital revolution. Our scale and commitment to innovation enable us to develop market-leading products delivered through next-generation networks that connect our 29 million customers who subscribe to over 59 million television, broadband, internet, and telephony services. We also serve 11 million mobile subscribers and offer WiFi service across seven million access points.

Liberty Global's businesses are comprised of two stocks: the Liberty Global Group (NASDAQ: LBTYA) (NASDAQ: LBTYB) and (NASDAQ: LBTYK) for our European operations, and the LiLAC Group (NASDAQ: LILA) and (NASDAQ: LILAK) (OTC PINK: LILAB), which consists of our operations in Latin America and the Caribbean. 

The Liberty Global Group operates in 12 European countries under the consumer brands Virgin Media, Ziggo, Unitymedia, Telenet and UPC. The LiLAC Group operates in over 20 countries in Latin America and the Caribbean under the consumer brands VTR, Flow, Liberty, Mas Movil and BTC. In addition, the LiLAC Group operates a subsea fiber network throughout the region in over 30 markets.

For more information, please visit