
We wow your customers to win them over
Whatever we invent in finance, we'll always aim to offer delightful products that enable financial services companies to amaze their customers.
We are Flow
We chose our brand name thoughtfully because we love the feeling of flow: a mental state in which everything seems to fall into place and things get done with surprisingly little effort. This is why our founders were drawn to the field of product development: making digital products feel seamless, delightful, and worthwhile to use.
As product experts, our founders were astonished that, although money makes the world go round, the accompanying fintech products often disappoint users. They’re developed solely from a business point of view, without including a customer’s perspective as well. They cover the basics but often miss out on exciting features that let people manage their money effortlessly and intuitively. In the world of finance, few digital products truly inspire.
That’s why we’ve decided to bring our product experience to finance. But not by merely revamping an interface or creating a superficial design for an existing digital product. As we mentioned before, every element needs to fall into place to create a state of flow. So we set out to develop fintech products from scratch:
We’ve partnered with banks like Adyen, to offer you a Banking as a Service solution. It helps brands in the finance space to offer financial solutions themselves.
We help neo-banks and other financial services seamlessly integrate our money automation solutions, enabling their customers to regain control of their money magically.
Traditional banks’ PSD2 APIs are often glitchy and cumbersome. We’ve found solutions to make ‘open banking’ as good as it can get.
All this is made possible by our own ‘FlowOS’: a software middle layer creating fertile ground to build you anything our customer-centric minds can think of.
As everything needs to fall in place, we don’t stop when our product is implemented. To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing as well.
The future never ceases to challenge us. But whatever we invent in the finance space, we’ll always aim to offer delightful products that enable financial services companies to amaze their customers. We are Flow. And we help you wow your customers, to win them over.
Flow. Wow to win.

We are Flow
We chose our brand name thoughtfully because we love the feeling of flow: a mental state in which everything seems to fall into place and things get done with surprisingly little effort. This is why our founders were drawn to the field of product development: making digital products feel seamless, delightful, and worthwhile to use.
As product experts, our founders were astonished that, although money makes the world go round, the accompanying fintech products often disappoint users. They’re developed solely from a business point of view, without including a customer’s perspective as well. They cover the basics but often miss out on exciting features that let people manage their money effortlessly and intuitively. In the world of finance, few digital products truly inspire.
That’s why we’ve decided to bring our product experience to finance. But not by merely revamping an interface or creating a superficial design for an existing digital product. As we mentioned before, every element needs to fall into place to create a state of flow. So we set out to develop fintech products from scratch:
We’ve partnered with banks like Adyen, to offer you a Banking as a Service solution. It helps brands in the finance space to offer financial solutions themselves.
We help neo-banks and other financial services seamlessly integrate our money automation solutions, enabling their customers to regain control of their money magically.
Traditional banks’ PSD2 APIs are often glitchy and cumbersome. We’ve found solutions to make ‘open banking’ as good as it can get.
All this is made possible by our own ‘FlowOS’: a software middle layer creating fertile ground to build you anything our customer-centric minds can think of.
As everything needs to fall in place, we don’t stop when our product is implemented. To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing as well.
The future never ceases to challenge us. But whatever we invent in the finance space, we’ll always aim to offer delightful products that enable financial services companies to amaze their customers. We are Flow. And we help you wow your customers, to win them over.
Flow. Wow to win.

We are Flow
We chose our brand name thoughtfully because we love the feeling of flow: a mental state in which everything seems to fall into place and things get done with surprisingly little effort. This is why our founders were drawn to the field of product development: making digital products feel seamless, delightful, and worthwhile to use.
As product experts, our founders were astonished that, although money makes the world go round, the accompanying fintech products often disappoint users. They’re developed solely from a business point of view, without including a customer’s perspective as well. They cover the basics but often miss out on exciting features that let people manage their money effortlessly and intuitively. In the world of finance, few digital products truly inspire.
That’s why we’ve decided to bring our product experience to finance. But not by merely revamping an interface or creating a superficial design for an existing digital product. As we mentioned before, every element needs to fall into place to create a state of flow. So we set out to develop fintech products from scratch:
We’ve partnered with banks like Adyen, to offer you a Banking as a Service solution. It helps brands in the finance space to offer financial solutions themselves.
We help neo-banks and other financial services seamlessly integrate our money automation solutions, enabling their customers to regain control of their money magically.
Traditional banks’ PSD2 APIs are often glitchy and cumbersome. We’ve found solutions to make ‘open banking’ as good as it can get.
All this is made possible by our own ‘FlowOS’: a software middle layer creating fertile ground to build you anything our customer-centric minds can think of.
As everything needs to fall in place, we don’t stop when our product is implemented. To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing as well.
The future never ceases to challenge us. But whatever we invent in the finance space, we’ll always aim to offer delightful products that enable financial services companies to amaze their customers. We are Flow. And we help you wow your customers, to win them over.
Flow. Wow to win.

The team

Daan van Klinken
Founder, CEO

Eelco-Jan Boonstra
General Manager

Niels Dommerholt
Principal Engineer

Bas de Kwant
Chief Information Security Officer

Bram Willemse
Product Owner

Caroline Mota
Product Owner

Arjen van den Brink
Senior Product Designer

Frank Lagendijk
Senior Product Designer

Leonard Adukwu
Product Designer

Darragh Finn
Software Team Lead

Gijs Lebesque
Technical Lead

Johnathan Salmon
Full Stack Engineer

Ayse Bayraktar
Frontend Developer

Stan Verberkt
Full-stack Developer

Alejandro Mantilla
Senior Application Developer

Amir Afroozeh
Senior Product Engineer

Nil Amrutlal
Full Stack Developer

Jort van Breda
Frontend Developer

Dennis Huigen
Quality Analyst

Ralston Roman
Senior Quality Analyst

Ron Schmitz
Product Marketer

Thim Donkervoort
Risk & Compliance Manager
The team

Daan van Klinken
Founder, CEO

Eelco-Jan Boonstra
General Manager

Niels Dommerholt
Principal Engineer

Bas de Kwant
Chief Information Security Officer

Bram Willemse
Product Owner

Caroline Mota
Product Owner

Arjen van den Brink
Senior Product Designer

Frank Lagendijk
Senior Product Designer

Leonard Adukwu
Product Designer

Darragh Finn
Software Team Lead

Gijs Lebesque
Technical Lead

Johnathan Salmon
Full Stack Engineer

Ayse Bayraktar
Frontend Developer

Stan Verberkt
Full-stack Developer

Alejandro Mantilla
Senior Application Developer

Amir Afroozeh
Senior Product Engineer

Nil Amrutlal
Full Stack Developer

Jort van Breda
Frontend Developer

Dennis Huigen
Quality Analyst

Ralston Roman
Senior Quality Analyst

Ron Schmitz
Product Marketer

Thim Donkervoort
Risk & Compliance Manager
The team

Daan van Klinken
Founder, CEO

Darragh Finn
Software Team Lead

Bas de Kwant
Chief Information Security Officer

Arjen van den Brink
Senior Product Designer

Thim Donkervoort
Risk & Compliance Manager

Jort van Breda
Frontend Developer

Gijs Lebesque
Technical Lead

Ayse Bayraktar
Frontend Developer

Ralston Roman
Senior Quality Analyst

Dennis Huigen
Quality Analyst

Eelco-Jan Boonstra
General Manager

Niels Dommerholt
Principal Engineer

Bram Willemse
Product Owner

Caroline Mota
Product Owner

Frank Lagendijk
Senior Product Designer

Johnathan Salmon
Full Stack Engineer

Stan Verberkt
Full-stack Developer

Alejandro Mantilla
Senior Application Developer

Amir Afroozeh
Senior Product Engineer

Nil Amrutlal
Full Stack Developer

Ron Schmitz
Product Marketer

Leonard Adukwu
Product Designer
Our company culture
We are highly resourceful and customer-obsessed in order to get a fintech product from merely covering the basics to a product people love to use.
Our core values, ‘resourceful’ and ‘love,’ are instrumental in developing products that wow your customers. A real-life example: we developed a full Banking as a Service solution because we weren’t satisfied with how our initial Money Automation product based on PSD2 APIs performed.


Company history
From a B2C to a B2B product
Flow was founded in 2018. When PSD2 made 'open banking' possible, we were the first to develop a money automation app that enabled consumers to automate transactions between bank accounts. However, facing the limits of PSD2 services of traditional banks, we recognized the need for a more fundamental integration with the banking system. We switched our focus to B2B services, and in close cooperation with our launching customers, we seamlessly integrated banking into bookkeeping - a domain ripe for the efficiencies of money automation. In 2025, Flow became part of the Snelstart group.

Want to power banking services in your platform?
FlowOS helps platforms like Qonto launch smart, compliant banking experiences.

Want to power banking services in your platform?
FlowOS helps platforms like Qonto launch smart, compliant banking experiences.

Want to power banking services in your platform?
FlowOS helps platforms like Qonto launch smart, compliant banking experiences.
Visit us
Flow Money Automation BV
Terminalweg 38 D
3821AJ Amersfoort
The Netherlands
CoC 72829796
VAT NL851355936B01
Mail hi@withflow.com
Visit us
Flow Money Automation BV
Terminalweg 38 D
3821AJ Amersfoort
The Netherlands
CoC 72829796
VAT NL851355936B01
Mail hi@withflow.com