Building the Telco Vertical AI Cloud

The leading vertical SaaS, all digital solution for "mobile operators, OEMs and consumer electronics retailers.”
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The global leader in white-label Telco specialist consumer & business financing solutions

Glow.
 Join the Telco revolution
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Our Platform

Glow provides a unified suite of applications and capabilities in one cloud platform designed for Telco.

Finance

Compliant-by-Design finance origination and servicing
Seamless device buy-flow integration
Telco brand immersive experience
No code finance product & credit policy configuration
Customer and / or channel micro-targeting control

Protection

Telco brand immersive claims experience
Because Glow has built all Administrator functions and local insurance regulation into its Admin Inside tech, we significantly elevate program profitability
Seamless sales channel integration maximizing offer & attach rates
Compliant-by-Design customer journey delivery

Trade-In / Upgrade

Checkout integrated Trade-In immediate discounts
Targeted enhanced Trade-In values
Complete grade variance mitigation
Trade-In device value maximization
End-of-term device return handling
Spot & future Trade-In servicing

Warranty

Intelligent warranty claims routing (IW/OOW/CPO)
Customizable Warranty to Upsell / Upgrade journeys
No code configurable warranties for new & CPO devices
R2R Legislation ready component-based warranty
End-to-end warranty service orchestration

Fraud Detection

Real-time device buy-flow fraud detection
Funnel widening surgical decisioning removing false positives
Responsive 24 / 7 monitoring and rule maintenance
Telco fraud team augmentation
Integrate new data-sources & micro-services into decisioning in days
A screen shot of a credit card with the text, set up your payment plan.A close up of a computer chip with the words admin inside.A hand holding a cell phone with a cracked screen.A cell phone with a trade in receipt on the screen.A screen shot of a credit card.
Finance
A screen shot of a credit card with the text, set up your payment plan.
Solutions allow:
Compliant-by-Design finance origination and servicing
Seamless device buy-flow integration
Telco brand immersive experience
No code finance product & credit policy configuration
Customer and / or channel micro-targeting control
Protection
A close up of a computer chip with the words admin inside.
Solutions allow:
Telco brand immersive claims experience
Because Glow has built all Administrator functions and local insurance regulation into its Admin Inside tech, we significantly elevate program profitability
Seamless sales channel integration maximizing offer & attach rates
Compliant-by-Design customer journey delivery
Trade-In / Upgrade
A hand holding a cell phone with a cracked screen.
Solutions allow:
Checkout integrated Trade-In immediate discounts
Targeted enhanced Trade-In values
Complete grade variance mitigation
Trade-In device value maximization
End-of-term device return handling
Spot & future Trade-In servicing
Warranty
A cell phone with a trade in receipt on the screen.
Solutions allow:
Intelligent warranty claims routing (IW/OOW/CPO)
Customizable Warranty to Upsell / Upgrade journeys
No code configurable warranties for new & CPO devices
R2R Legislation ready component-based warranty
End-to-end warranty service orchestration
Fraud Detection
A screen shot of a credit card.
Solutions allow:
Real-time device buy-flow fraud detection
Funnel widening surgical decisioning removing false positives
Responsive 24 / 7 monitoring and rule maintenance
Telco fraud team augmentation
Integrate new data-sources & micro-services into decisioning in days

Our Leadership

Andrew Cole
Andrew Cole
Executive Chairman & Co-Founder

Andrew has over 25 years of experience working in the Telecommunications and Media industry with a particular depth of experience in the mobile sector.



Andrew is currently a board member of Liberty Global PLC (Compensation, Nominating & Corporate Governance Committees).



Prior to founding Glow, Andrew was the Chief Executive Officer of Asurion EMEA, previously serving as Chief Marketing Officer and Senior Vice President. Prior to 2007, during his time as a management consultant partner Andrew served clients such as Verizon, Sprint, AT&T, BT, Warner Music, Disney, Google, and notably was hired personally by Steve Jobs on the iPhone® in 2005-06. Prior to this, he worked as a partner at A.T. Kearney and Senior Consultant at LEK Consulting.

Christiaan Ross
Christiaan Ross
CEO & Co-Founder

Previously CFO of Finance-EMEA at Asurion Corp, Christiaan is an executive leader with extensive experience of all aspects of financial and operational strategy.



Having been a trusted CEO adviser for many years, Christiaan’s commercial focus has seen him have oversight  of multi-site operations, business model restructuring and strengthening productivity and accelerating profit at challenged operations.



Prior to joining Asurion, Christiaan held a number of senior finance and commercial leadership roles at Doncasters Plc and PricewaterhouseCoopers. Christiaan is a Certified Public Accountant (CPA), and Certified Global Management Accountant (CGMA) with experience in the  Telco, Technology, Insurance, Aerospace/Industrial Gas Turbine, and Automotive industries.

Kosta Karantzoulis
Kosta Karantzoulis
CFO

Kosta has more than 20 years of experience in investment banking, structured finance, and business development.



Prior to Glow, Kosta spent 10 years in the Global Securitized Markets Group at Citi and at RBC Capital Markets prior to that. In his various roles he was responsible for originating, financing, structuring and distributing new issue securitizations and warehouse lending facilities backed by Telco receivables, auto loans and leases, credit cards, consumer loan receivables and student loans in the Term and ABCP markets.


Kosta is a Chartered Accountant with experience across a broad scope of esoteric assets including stranded utility costs, small business, and trade receivables.

Will Farnos
VP - GM USA

Will brings over a decade of leadership experience spanning Banking and Capital Markets, Enterprise Strategy and Execution, Business Management, Digital Banking, and Digital Lending to Glow's Executive Team. As Head of the US, he is responsible for managing business goals and objectives while overseeing operations across the country.

Prior to joining Glow, Will was a trusted C-suite advisor to large banks, credit unions, and corporate clients as a leader in the Monitor Deloitte Strategy practice where he was nationally recognized as the Financial Services Industry “North Star” award recipient.

Will was a Thomas Keller Memorial Scholar at Duke University, where he holds his MBA, and was granted with the President’s Award while receiving his B.S in Finance with a concentration in Accounting.

Guy Wylie
CEO - APAC

Guy leads our business across Asia Pacific, he has lived and travelled extensively across the region, previously living in Hong Kong and currently based in Melbourne. Guy brings a unique skillset to Glow having worked previously in Telstra and before that in Investment Banking.  At Telstra, Guy was the Treasurer, Head of M&A, Investor Relations, Corporate Controller, he sat on the Board of Foxtel, Amplitel and Telstra Energy.   

At Telstra, Guy led the disposal process for the Towers business, raised over A$10bn in debt finance, led the separation of the business into an InfraCo arm and ServCo arm and led the acquisition of Digicel Pacific.

At UBS, Guy led the Capital Markets Group in Asia, raising debt and equity capital for clients right across the region.Guy is a Father of four, avid snow skier and runner, most recently completing the Bruny Island UltraMarathon in Tasmania, Australia. 

Errol Norlum
VP Artificial Intelligence & Data

Errol Norlum is a seasoned AI and technology expert with nearly two decades of experience driving AI transformations across various industries. Currently leading AI and Data at Glow, he integrates advanced AI solutions to enhance business performance.

Previously, as Head of AI at H&M Group, Errol recruited over 250 AI professionals and embedded AI into core operations, significantly advancing the company's technical transformation.

At Vodafone Group, he served as Lead Data Scientist, contributing to the growth of an international AI team exceeding 500 members. His career began at Nordea Bank, the largest Nordic financial institution, where he was instrumental in developing the fraud and anti-money laundering department.

See Leadership Team

At the heart of the Telco eco-system

Glow integrates between key products that deliver seamless Customer Experience, quick deployment and secure transactions.
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We Provide the Industry Cloud for Telcos

At the heart of the Telco eco-system, Glow integrates between key products that deliver seamless Customer Experience, quick deployment and secure transactions/policies.
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The Telco industry suffers from old legacy systems, incompatible hardware and massive system complexity. This hampers an industry player’s ability to grow, to deploy new products and to lower operational costs.
Glow is the solution, providing ‘ready-to-go’ digital platforms and solutions in critical areas of the Telco business.
Andrew Cole
Executive Chairman & Co-Founder
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The Ecosystem

Telcos, OEMs, & Retailers

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Telcos, OEMs, & Retailers

Glow provides tailored lending solutions for Telcos, from off-balance sheet financing to consumer loans, via a seamless point-of-sale system. With insurance regulation built into our tech (e.g. UK FCA regulation), we ensure sophisticated finance, simple experiences, and real results.
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Consumers

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Consumers

We offer a range of solutions to make consumer electronics more affordable and accessible, including flexible APR loans and lease options, mobile device insurance, warranty coverage, and convenient Trade-In or upgrade programs. When upgrading, the Trade-In value of a device is applied toward the new purchase, making it easy to stay up-to-date with the latest technology. Our 24/7 online portal provides access to loan management, repayment options, and protection plans, helping consumers stay connected and in control.
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Banks & Financial Institutions

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Banks & Financial Institutions

In partnership with some of the world’s largest and most respected financial institutions, we bring agile product development & quick change to meet market needs whilst ensuring positive business book growth.
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Do More, Grow More,Glow More.

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