Early stage fintech Flow Networks is bringing issuers and merchants in the U.S. loyalty tools commonly used in Asia. The company’s platform gives issuers the ability to reach cardholders when they make a payment with more than simply an acknowledgment that a sale has occurred. Flow can provide a playbook of messages that can be sent to mobile phones in real time when a purchase is initiated. The aim is to promote further card usage. Flow has created messages that can entertain, educate, reward, support a cause, resolve payment card complaints and fight fraud. They could include an oppo...