FinTech in Indonesia can benefit from growing market with limit amounts of financial products due to risk approach of current banks. Using the big data analysis, scoring models and data from the merchant can a FinTech company prepare reasonable solution as 100% competition to credit card with 25% interest per year. Whole solution is much more cost effective, as there is no need for branches, bank employees, bank licence.... It will be interesting to observe this ideas, as it is building bank with banks pricing without being rigid, 100% OJK regulated and with lower costs
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