Invest with Niels Mulder

February 28, 8:30am - 10:00am CET. Hosted at Spaces

part of a series on Invest

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Daan and Niels are founders of Flow (, a FinTech startup. They help freelancers and consumers set up their financial autopilot which results in guilt-free spending on the things you find important. Doing this by offering smart rules for your bank accounts that automatically divide your money.

Daan and Niels both are freelancers themselves. As design duo, they worked on many apps, first at design agency Hike One, later as a freelance duo. A couple of well-known products they have worked on: Buienradar, Radio 538 app, Horizon 4 TV UI, Yolt and Schiphol.

Through their way of working—whether it’s freelance designing or managing their own startup—they try to involve the business to ensure the product does not only have a great UX but also furthers the companies they work for.


February’s Theme is Invest.

Every day we give our time, resources, and energy to the world through our decisions. We might read certain books, join a new community, or pick up a hobby. And whether we acknowledge it or not, every choice we make is an investment either for or against ourselves.

Wise investing requires patience and awareness. It’s an art that combines our knowledge from past experiences with future aspirations to inform where we’ll put our energy and our heart. To live a sustainable creative life requires us to say ‘yes’ to the choices that bring richness into our lives, even when it seems risky.

In the Investment Theory of Creativity psychologist Robert J. Sternberg discovered: “The greatest obstacle to creativity […] is not exactly strictures from others, but rather the limitations one places on one’s own thinking.”

Take this opportunity to diversify your dreams. Convert your doubts into positive currency and bet on yourself. Without a doubt, you’ll see a worthwhile return.

Our Hong Kong chapter chose this month’s exploration of Invest and Bao Ho illustrated the theme.