FLOW by OAT
AI Financial Intelligence Platform
Built in Riyadh by Open All Technology.
Product Positioning
FLOW is the first financial AI product by Open All Technology, designed as a financial intelligence layer for individuals, SMEs, and enterprise financial operations.
Capabilities
A complete financial intelligence stack
Credit Health Advisory
Continuous AI monitoring of credit profile, utilization, and bureau standing with personalized recovery playbooks.
SIMAH Score Booster
Targeted score-improvement plans tracked in real-time against your live SIMAH bureau data.
AI Funding Eligibility
Decisioning engine that scans cashflow, behavior, and bureau signals to recommend the safest funding action today.
Repayment & Commitment Alerts
Predictive reminders for installments, commitments, and risk events — before they hit your credit file.
Financial Behavior Analytics
Open Banking-grade behavioral intelligence across spending, savings, salary cycles, and merchant patterns.
Enterprise Decisioning Console
Operator-grade console for lenders and FinOps teams — underwriting, fraud, portfolio, and policy controls in one view.
Open All Technology · Product Suite
FLOW joins the OAT family
FLOW
NEWAI Financial Intelligence
Cognify AI
Cognitive Intelligence
noTIQ AI
Notification Intelligence
OAT AI
Foundational AI Models
OAT Cloud
Sovereign Cloud Infrastructure
OAT Nexus
Enterprise Data Mesh