AI deeply embedded in flovver’s DNA

We’ve long spoken about our interest in artificial intelligence. But this year, we’re going beyond belief, we’re investing, building, and integrating. We’ve committed tangible resources, appointed a dedicated full-time specialist, and most importantly, made a strategic decision to place AI at the core of our technological evolution.

Why now?

Because demand for AI-powered solutions is surging and it’s no passing trend. In 2023, only 6.1% of Canadian businesses were using AI to produce or deliver services. Just one year later, that number has doubled to 12.2% in 2025. Needs are evolving, data is multiplying, and expectations around financing are becoming increasingly precise. When thoughtfully implemented, AI offers what traditional tools simply can’t:

➡️ deeper insights,
➡️ better-informed decisions,
➡️ and more agile services.

We’re actively embedding this intelligence into our platform, with one clear goal: To empower lenders to make smarter decisions and help borrowers better understand and grow their financial profiles.

The goal: Provide our clients with a smart and reliable tool to evaluate the level of risk associated with a financing application. This score, in whatever form it takes, will be designed to capture the key elements of a borrower’s profile, including those subtle indicators that may signal potential risk. By reducing uncertainty, it will allow lenders to decide more quickly and more confidently.

We are also developing a personalized credit indicator for borrowers. The goal: Help individuals better understand their current borrowing capacity and improve it over time. How? By suggesting relevant financial products (like tailored loan options) that support credit-building and long-term growth.

Beyond file analysis, we’re exploring more interactive AI solutions, including the integration of intelligent chatbots on our site. These tools will assist users throughout their journey answering questions, navigating documentation, and even helping them analyze their own files.

What we’re building at flovver is part of a much broader transformation. AI is no longer a futuristic idea it’s actively reshaping practices, tools, and business decisions across industries.

• 20.9% Information & Culture
• 13.7% Professional, Scientific & Technical Services
• 10.9% Finance & Insurance

• 14 % of businesses that have adopted or plan to adopt AI in 2024 already use generative tools (text generation, document creation, etc.)
• 31 % of businesses under 10 years old plan to adopt AI within the next year, compared to just 18.7% of companies operating for over a decade

• 28,9 % use natural language processing (NLP)
• 26,5 % use virtual agents/chatbots
• 25 % rely on data analytics
• 21,9 % are implementing advanced language models (LLMs)

• 56% of Canadian IT decision-makers plan to increase AI investments in 2025
• 90% of businesses have not reduced staff after adopting AI this technology augments people, it doesn’t replace them

Sources : Statistique Canada, Enquête sur l’adoption de technologies numériques – Deuxième trimestre 2024 ; IBM & Morning Consult, Global AI Adoption Index – Canada Highlights, janvier 2025