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At Flow, AI isnt just a feature—its the core of everything we do. We are transforming the wholesale insurance industry by building a futuristic insurance brokerage where AI powers every aspect of the experience. With advanced AI features already live in production and actively used by our brokers, we are pioneering Wholesale 3.0, equipping brokers with cutting-edge tools to provide unparalleled service. We are creating an ecosystem of AI agents designed to streamline processes and enhance decision-making in the insurance landscape. The industry relies heavily on text—emails, files, and documents—making Generative AI a perfect fit for solving its challenges. Flow leverages AI to deliver meaningful insights, deep analysis, and white-glove support for every transaction, no matter the deal size. By combining human expertise with Platformless AI, we are bringing back the art of wholesale insurance while eliminating the need for outdated portals. In the past seven months, weve grown 250% month-over-month(!) and are forecasting even more massive growth. Were a Series A startup with over $20M raised from top investors like Lightspeed, MunichRe Ventures, and industry angels.
First branch of Banka Kombëtare Tregtare was established in Durrës on 29 November 1925, in the historical building where todays BKT Durrës Branch is situated. This building actually represents the oldest Albanian financial institution in the country. Banka Kombëtare Tregtare (BKT), with todays name, was established in January 1993, after the merging of the Albanian Commercial Bank (ACB) and the National Bank of Albania (NBA). The NBA on the other hand was established in 1992 as a result of a second sub-division of the State Bank of Albania. The NBA was set up to manage the domestic trading activity of the State-owned entities. The assets and liabilities from the activities of these two entities were transferred to BKT accounts since it was first established. Banka Kombëtare Tregtare was established as a Joint Stock Company in July 1997, with assets reaching ALL 2.7 billion. In February 2003, with the decision of the Shareholders General Meeting, the paid-up capital reached the amount of US$ 14, 64 million, turning BKT into the most capitalized bank in the whole Albanian banking system. The year 2006 started with a new vision for BKT. With the authorization of the Bank of Albania and pursuant to the specific court decision issued on June 9, 2006, it was approved the transfer of 60% plus 2 of the BKT shares possessed by Kent Bank in favour of Calik-Seker Konsorsiyum Yatirim A.S. On September 3, BKT opened its branch in Kosova and since that time, BKT Kosova has already opened 27 branches, ranking Banka Kombëtare Tregtare as the largest Albanian bank in the region. On June 30, 2009 Çalik Financial Services buys to IFC and EBRD shares being in this way the only BKT shareholder owning 100 % of the shares. On 30th April 2018 Banka Kombëtare Tregtare Kosova Branch, changes its status from Branch of a Foreign Bank to a subsidiary Bank. Now, its banking license has changed from Banka Kombëtare Tregtare Kosova Branch, to Banka Kombëtare Tregtare Kosovë J.S.C.
Imagine a company with vision of fundamentally changing an industry, and the small design firms who dominate it, by empowering them to accelerate their growth and better their bottom lines. Its with intellectual capital, education programs, passion and strong relationship, that this small business is dedicated to developing a nationwide network of companies who are recognized by the industry as the most professional and by consumers as the best value in kitchen and bathrooms. Welcome to SEN. The SEN Design Group is the industrys first kitchen and bath buying and business development group. As a 26-year-old professional organization, SEN has over 210 members nationwide and more than 75 quality vendors in cabinetry, appliances, plumbing fixtures, decorative hardware, closets, lighting, bathroom products, flooring, tile, business services and accessories who offer their products/services to the membership at group rates. Additionally, SEN offers over 40 business development services to its membership, including financial planning, business coaching, business management training, sales training programs, marketing tools to generate leads, networking, and management systems. For more information on SEN visit www.sendesigngroup.com