A flow is a common customer request type that the institution has mapped out step by step. They are also called Standard Operating Procedures (SOP). On average consumer focused financial institutions manage 200-400 flows in their service operations.

We provide several example flows, categorized by product offerings at Bark Financial:

Overall Account Management

Checking Account (+ Debit Card)

Credit Card

Spot (Fee Free Overdraft)

BNPL (Buy Now Pay Later)